FIRM estimates homeowners throughout Monroe County could see flood insurance rate increases ranging from $100 to $9,000 annually-with an average increase of $3,200 – if FEMA’s proposed Risk Rating 2.0 goes into effect on Oct. 1, as planned. “Rate... As we all navigate our new normal, FIRM continues to stay connected to our members–the residents and property owners of Monroe County–from an acceptable distance! This disaster is not in FIRM’s wheelhouse, but we are committed to providing flood and... FIRM is holding a Mardi Gras fundraiser on Friday, February 21, 2020 from 4:30-7:00 pm on the upstairs deck of the Waterfront Brewery overlooking gorgeous Key West Harbor. We’ll have flood map information sharing, signature hurricane cocktails, Cajun nibbles,... It’s that time of year again–the first day of hurricane season is June 1, and FIRM invites you to hunker down with us at the Side Bar for awesome raffle prizes, tasty eats, cash bar, and instead of sacrificing the purest among us to the hurricane gods,... Put it on your calendar…the KWAR/MLKAR Golf Tournment for FIRM is on!Sunday, May 19 at the Key West Golf ClubContact Paul Brookspaul.brooks@vacasa.commobile: 828-674-6137 for registration and sponsorship detailsor click here to register In January 2020, FEMA held Community meetings throughout the Keys, offering the public an opportunity to view and comment in person on the proposed preliminary FIRMS. In normal times, there would have been a 90-day period during which communities could file an appeal... 
FIRM’s Escape to Little Palm Island is back with a 2-night stay! Enjoy Island Escape Suite accommodations, discretely located on Little Palm Island. With a natural white sand beach, gourmet dining room, limitless water adventures and indulgent spa treatments at... 
Under the National Flood Insurance Program, there is a big difference between how your claim is paid if the flooded property is your primary or non-primary home. While the property coverage may differ, contents are covered Actual Cash Value (ACV) either way. Two... 2025 OVERVIEW Citing what they believe to be successful legislative insurance reforms enacted in 2022, the Florida Legislature, the Office of Insurance Regulation and Citizens Property Insurance Corporation have been in a “wait and see” holding pattern when it comes... If you attended the FIRM Insurance Town Hall last month, read the excellent coverage by Keys Weekly and posted on this website or watched the replay on FIRM’s You Tube channel, you’re probably asking, “So what happens now?” SIRS vs RUL The main... Key West Realtor Suzanne Moore recently interviewed FIRM’s president Mel Montagne for her You Tube show “Inside Key West Real Estate.” If you haven’t yet checked out Suzanne’s channel, you should give her a follow. She has a ton of great... Does ‘safe’ mean ‘insurable?’ Citizens holds town hall in Marathon Jim McCarthy and Alex Rickert- Keys Weekly Local officials, property owners and condominium associations had the rare chance to hear from and speak with Citizens Property Insurance leadership regarding... 
In this file photo from Aug. 25, 1992, residents at the Saga Bay apartment complex see firsthand what happened to their units after Hurricane Andrew blasted South Miami-Dade a day earlier on Aug. 24, 1992. Here, a man is seen inside his unit. Chuck Fadely Miami Herald... As we head into peak hurricane season, August’s tip is all about prepping your landscaping to protect your property during a storm and to make post-storm clean-up a little easier. Identify trees that may be vulnerable in storms Look for trees that display any of... In anticipation of next month’s Monroe County Insurance Solutions Town Hall: Roofs and Coverage, July’s tip is all about keeping a roof over your head! The need for the town hall arose from Citizens requiring property owners to replace their roof or face... 