The Latest news from FIRM

FIRM collects news, information and updates from trusted sources to ensure Monroe County residents have the resources they need to understand wind, flood and property insurance in the Keys.

What’s new from FIRM today?

FIRM collects news, information and updates from trusted sources to ensure Monroe County residents have the resources they need to understand wind, flood and property insurance in the Keys.

FIRM Board President updates Monroe County Commissioners

Mel Montagne, president of the board of Fair Insurance Rates for Monroe, updated the Monroe County Board of County Commissioners on FIRM's 2023-24 projects and the recent Florida legislative session. Speaking before the commissioners on April 17, Montagne highlighted...

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Previous news from FIRM

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...

What Property Insurance do I need in Florida?

Homeowners The policy known as HO3 insures the described owner-occupied dwelling, private structures in connection with the dwelling, personal property on and away from the premises, and loss of use. Personal liability coverage and medical payments coverage are also...

FIRM leaders attend Florida Keys Day

Caroline Horn, left, Florida Sen. Rodriguez and Mel Montagne FIRM President Mel Montagne and Manager Caroline Horn attended Florida Keys Day in Tallahassee on January 24-25, 2024. Since 2010 Florida Keys Day has been held in Tallahassee during the Florida legislative...

Florida Legislation FIRM is Tracking

The Florida Legislature is considering multiple bills that would affect wind, flood and property insurance rates and regulations in the Keys. Although we anticipate significant debate and changes to each of the bills over the course of the legislative session, we also...

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Support Firm PAC

FIRM PAC advocates directly and through its lobbyists in Tallahassee and Washington, D.C. Contributions to FIRM PAC are not tax deductible.

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Donate to Firm KEYS

FIRM KEYS supports education, research, preparedness and mitigation. Donations to FIRM KEYS may be tax deductible.

Get the insurance Guide

Read it online or download your copy. FIRM’s guide to wind, flood and property insurance is a great way to get started.

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