Fair Insurance Rates in Monroe

Fighting against excessive, discriminatory, and unaffordable property insurance rates.

FIRM is a grassroots organization formed in 2006 to fight for fair property insurance rates for property owners and residents of Monroe County, Florida (Florida Keys). Through advocacy and community outreach , FIRM contributes to housing affordability and helps residents remain and prosper in our community.

Ask FIRM

Your questions, our expert answers.

FIRM Flood Mitigation Workshop II video

FIRM held the second series of Flood Mitigation Workshops in January 2018 focusing on the process of elevating properties above Base Flood Elevation. Watch the video of the Key West Workshop below.

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FIRM News

Hurricane Irma Resources

Mental health concerns following Hurricane Irma

Hurricane survivors commonly struggle with PTSD and other forms of mental disorder following the storm.  Even those who did not suffer structural damage may be experiencing survivor’s guilt and compassion fatigue.  However, these responses to the storm and its aftermath shouldn’t be considered “disorders.”  We are all having normal reactions to abnormal situations. There are…

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Pressroom

Articles of interest from everywhere.

Temporary housing trailer permit regulations

The Monroe County Board of County Commissioners directed County staff to work on adding a second 180-day extension period to its Comprehensive Plan and Land Development Code for permits to place temporary trailers on private property for emergency housing after a natural or manmade disaster in unincorporated Monroe County.  These permits are issued by the…

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Our Members

Sugar Loaf Shores Property Owners Association

Sugarloaf Shores Property Owners Association

KWAR

MLKAR

Isaksen

Greater-Marathon

Key-largo

lower-keys

keywestbythesea

First-bank

Coldwell

ocean-reef

contractors-association

City-of-Marathon

Cabanna

toppino

compass-realty

conch-your-train

Doug

donor_gary-plumbing_sm

hta_logo_bottom

Donnely

monroe-concrete-products_logo2

Mooring

royal

Cudjoe-gardens

at-home

reece

the-gardens-hotel

Mangia

Donnely

centry-21

key-west-vacation

preferred

Truman&co

Lee and Pat Cummings

Theresa Faber

Peter Rysman

Steve and Kathy Russ

Meredith Cline

Betty Metz Rubenstein

Lady Alexander Association, Inc.

Bryan Hawks

Mary Ellen Beattie

Clements Family Charitable Trust

Island of Key Largo Federation of Homeowner Associations

Homes and Land Magazine

Edward Jones

Florida Keys Electric Cooperative

Sellers Insurance, LLC

Brenda Donnelly

Rep. Holly Raschein

Carolyn Frey


 

AM Electric and Sunmasters AM

Words from Our Members

"In the first six months after forming, the members of FIRM were able to help repeal a proposed 25% residential windstorm premium increase for Monroe County and went on to further reduce residential rates from Citizens Property Insurance Corporation for Monroe County by over 30%"

-FIRM

"Over the past 35 years, Florida's families have paid into the NFIP (National Flood Insurance Program) over $16 billion, four times more than the amount they have received in claim reimbursements. We have done more than our fair share to make the NFIP financially sound. In addition, Florida's superior coastal building code standards and leading efforts in the area of hurricane loss mitigation have further reduced exposure for the NFIP. Florida's rates should commensurately reflect these important risk-mitigating factors."

-Gov. Rick Scott
Letter to Senators Bill Nelson and Marco Rubio

"FIRM will continue our mission to move toward residential, condominium and commercial property insurance rates in Monroe County that are neither excessive, discriminatory, nor unaffordable. We will strive to sustain and support our Keys communities by instigation of appropriate physical and financial property protection. "

-FIRM

"I cannot tell you how very grateful I am to FIRM."

-Sue in Islamorada

"Thank you for all that FIRM does for our community."

-Kris in Marathon

"Keep up the good work"

-John in Big Pine Key

"Thank you for the wonderful information at your forums.  As we evacuated for Irma I grabbed our white FIRM Home Property Binder and added my insurance policies to take along.  This proved very beneficial in apply to FEMA and making contact with the insurance companies to initiate a claim within days of the storm." - Angela in Key West

Join The Effort

Help us to help you. Call FIRM now for more information.

305-294-FIRM