The Board of Directors of Fair Insurance Rates in Monroe (FIRM) welcomes Wayne Carter, CEO, Marathon and Lower Keys Association of Realtors® to join the fight against unfair insurance rates as a new Director.  As a real estate industry expert for over 20 years, Wayne’s contribution to FIRM is invaluable in maintaining a strong relationship with Realtors® in Monroe County and other parts of the state. Wayne has been the organizer, joining forces with the Key West Association of Realtors the last two years, of the FIRM Charity Golf Tournament, FIRM’s largest fundraiser.

FIRM regretfully says good-bye to Directors Michael Larson and Robert Maynard who each served for four years.  “FIRM’s Directors are all volunteers and do not receive any compensation for their tireless efforts,” explained President Mel Montagne.  “We have several committees, and they are all active. It is an honor and a privilege to work with so many talented people who volunteer their time to help all of the residents of Monroe County.”

Mel Montagne, Steve Russ, Joe Walsh, and Theresa Faber are continuing their terms as President, Vice President, Treasurer, and Secretary respectively.

Fair Insurance Rates in Monroe (FIRM) is a grassroots non-profit working for affordable and available wind and flood insurance for Monroe County.  FIRM’s efforts have resulted in over $500 million in catastrophe insurance savings for Monroe and a variety other related insurance benefits. Residents can become members of FIRM at no cost and keep current with catastrophe insurance and mitigation issues at

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