Whether you are a property owner or a renter, the rising cost of property insurance affects your housing costs. FIRM’s mission is to help to control those costs by advocating for resilient practices and making sure that our residents get the credit they deserve for hardening their properties.

In 2021 FIRM worked with the County and municipalities to building an appeal to FEMA’s proposed flood maps, addressed the Florida Office of Insurance Regulation and the Citizens Board of Governors to exempt Monroe County from the removal of Citizens 10% rate cap, and analyzed the effects of FEMA’s Risk Rating 2.0. FIRM partnered with the City of Key West and Monroe County to educate homeowners about the process of home elevation and applying for FEMA’s Flood Mitigation Assistance grants.

2022 will be more of the same. We’re awaiting FEMA’s response to the floodmap appeal, prepared to challenge further if the appeal is denied.  FIRM has hired a lobbying firm to get a carve-out that will reinstate the Citizens rate cap for Monroe County. We’re building a database of properties to present to Members of Congress to illustrate the devastating effects of Risk Rating 2.0 methodology–which lacks transparency.  And we continue to educate homeowners on ways to make their homes more resilient and prepare for another round of FEMA grant funding.

There are 5 ways you can help us continue our mission:

  1. Donate to FIRMKeys – FIRMKeys supports educating efforts and workshops.
  2. Donate to FIRMPAC – FIRMPAC supports lobbying efforts in Tallahassee and Washington DC.
  3. Sign up for FIRM’s newsletter – Signing up for the newsletter automatically makes you a member of FIRM–there is strength in numbers and your support means a lot.
  4. Attend a workshop or watch our workshops on our You Tube channel.
  5. Add your property to our Risk Rating 2.0 database.

FIRM is grateful for the support of everyone who has donated, attended a workshop, attended a fundraiser, and sent an email to the Office of Insurance Regulation and the Insurance Consumer Advocate.  It’s been 15 years since FIRM was born in a backyard in Key West by a group of neighbors determined to roll back Citizens skyrocketing windstorm insurance increases. FIRM is proud to continue that mission.

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