FIRM kicks off its annual year-end fund drive on Giving Tuesday. We hope you’ll consider making a donation to FIRM or FIRMKeys when you plan your year-end giving.
FIRM’s work has resulted in over $760 million savings in wind insurance premiums for Monroe County residents since 2006. Without FIRM, it is likely that every Citizens policyholder would be paying at least twice as much for windstorm insurance.
FIRM’S ANALYSIS OF DATA PROVIDED by citizens property insurance corp.
Our 2026 legislative goals are in a bill being drafted by Rep. Jim Mooney and Sen. Ana Maria Rodriguez:
- Remove the flood insurance requirement for Citizens policyholders for properties not at risk for flooding
- Increase the coverage cap to $1.5M in Monroe County
- Carve-out for Monroe County to return to the 10% glide path including of fees and surcharges
Additional legislative goals include:
- Carve-out for Monroe County Affordable Housing and Habitat for Humanity windstorm policies
- Primary vs. non-primary language clarification for glide path determination
It is FIRM’s goal to work on these initiatives and others as policy action items as well, to provide multiple avenues to achieve relief for Citizens policyholders in Monroe County.
CONTINUE TO SUPPORT FIRM
Monroe County and its municipalities rely on FIRM to collaborate with them on windstorm insurance priorities so that our message is consistent, and they support FIRM in their budgets each year. With recent cuts to local government funding, FIRM cannot rely on that funding to carry the same weight as it has in past years. Successful fundraisers over the last several years have enabled FIRM to build reserves, but we need the community’s support now more than ever.
Maybe you’ve supported FIRM in the past, or maybe you’re new to the Keys and want to do what you can to keep the cost of insurance from lowering property values and making it even more unaffordable for our workforce to remain in Monroe County.
FIRM is asking for your continuing support as we work for legislative and administrative changes to property insurance that will benefit the residents of Monroe County. You can support FIRM’s mission in four ways:
- Donate to FIRMKeys – FIRM’s educational arm that works with our local governments to promote programs that inform residents and help build a more sustainable community.
- Donate to FIRMPAC – FIRM’s advocacy arm that works with our lawmakers to draft legislation that provides relief to Monroe County residents.
- Sign up for our newsletter – FIRM’s free membership helps to keep you informed and lets us know what kind of information you want to see.
As always we thank you for your continued support. Read more about FIRM’s history and accomplishments here. Download a copy of our Monroe County Property Insurance Users Guide.