Help us fight for fair

wind and flood insurance rates

 

 

For Monroe County, Florida

 

 

Make a FIRM Donation

Become a firm member

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Fair Insurance Rates for Monroe

For more than 18 years, FIRM, a grassroots nonprofit that started in our island neighborhood, has saved Monroe County property owners more than $900 million.

FIRM fights for fair, equitable and affordable property insurance coverage for homeowners, residents and business owners, which protects property values and contributes to housing affordability.

FIRM advocates for Monroe County residents, businesses and homeowners. We have fought successfully since 2006 against excessive, discriminatory and unaffordable property insurance rates.

FIRM empowers Monroe County residents to make informed decisions about property insurance coverage, the claims process, mitigation and storm preparedness.

New this week at FIRM

WITH THE 2024 LAUNCH OF ITS NEW WEBSITE, FIRM makes it easier for businesses, residents and members to stay updated on the latest changes to Florida law affecting wind, flood and property insurance, connect to the people, elected officials and organizations advocating on your behalf and access FIRM’s extensive informational guides. We welcome your feedback and encourage you to join FIRM. Membership is always free.

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FIRM logo

FIRM’s Top Priorities

FIRM fights for fair, equitable and affordable property insurance coverage for homeowners, residents and business owners, which protects property values and contributes to housing affordability.

Wind Insurance

Most Monroe County residents get wind insurance from Citizens, the state-run insurance organization

Flood Insurance

Federal flood insurance is mandatory in Florida. Risk Rating 2.0 determines your rates.

Property Insurance

FIRM helps you navigate the complex Florida property insurance requirements

Elevate your Home

Let FIRM help you access grants and programs to protect or elevate your home

Legislation

FIRM’s advocacy efforts in Tallahassee have saved homeowners more than $900 million

Latest news from Monroe County, Florida and the US

FIRM regularly monitors the news, information and legislation affecting wind, flood and property insurance rates in the Keys. We choose only the most reliable sources to ensure you get the best information on which to make decisions.

2023 Annual Report Executive Summary

While the property insurance crisis in Florida continues to trouble policyholders throughout the state, in 2023 FIRM took steps on behalf of the residents of Monroe County to strengthen important relationships, collaborate on meaningful legislation, and develop an...

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About Fair Insurance Rates for Monroe

Our Mission

FIRM fights for fair, equitable and affordable property insurance coverage for homeowners, residents and business owners, which protects property values and contributes to housing affordability.

Our Board

The Board of Directors has expertise in engineering, lodging, grant-writing, insurance, fundraising and homeowner/condo associations and supports our active committees

Our History

Since 2006 FIRM has empowered Monroe County residents to make informed decisions about property insurance coverage, the claims process, mitigation and storm preparedness.

Our Finances

FIRM believes financial transparency benefits our mission in the Florida Keys. Our annual reports and 990 filings are always available to the public to ensure we are responsible stewards of the public and private financial support of our members.

What is FIRM is doing today?

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10 hours ago

We are happy to announce our FIRM Charity Mini Golf Tournament!! We are looking for Sponsors and Putt-Putt golfers. Kids & adults are welcome to register.

⏰ The deadline to be on the banner is April 20th
📍Location: Boondocks Mile Marker 27
⛳️ Sunday, May 19th, 2-5pm
🤓 Wear your favorite golf-themed attire!!
... See MoreSee Less

We are happy to announce our FIRM Charity Mini Golf Tournament!! We are looking for Sponsors and Putt-Putt golfers. Kids & adults are welcome to register.
⏰ The deadline to be on the banner is April 20th
📍Location: Boondocks Mile Marker 27
⛳️ Sunday, May 19th, 2-5pm
🤓 Wear your favorite golf-themed attire!!Image attachment
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April 2024
No event found!
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Ready to elevate your home?

FIRM's Elevation Education Project explains the process for elevating and storm-proofing your home and connects you with the sources and contractors to manage your project.

Download our property insurance guide

Our comprehensive property insurance guide helps you navigate wind, flood and homeowner insurance requirements in Florida, Monroe County and the Keys.

Our Supporters and donors

Monroe County seal

Monroe County, FL

City of Key West

City of Key West

MLKAR Logo

Marathon & Lower Keys Assn. Realtors

Key West Assn. Realtors

Sexton Family Foundation Trust

Little Palm Island

Village of Islamorada

First Horizon Foundation

City of Marathon

Sugarloaf Shores Property Owners

Key West chamber of Commerce

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