Help us fight for fair
wind and flood insurance rates
For Monroe County, Florida
Make a FIRM Donation
Become a firm member
Fair Insurance Rates for Monroe
For 20 years, FIRM, a grassroots nonprofit that started in our island neighborhood, has saved Monroe County property owners more than $760 million.
FIRM fights for fair, equitable and affordable property insurance coverage for homeowners, residents and business owners, which protects property values and contributes to housing affordability.
FIRM advocates for Monroe County residents, businesses and homeowners. We have fought successfully since 2006 against excessive, discriminatory and unaffordable property insurance rates.
FIRM empowers Monroe County residents to make informed decisions about property insurance coverage, the claims process, mitigation and storm preparedness.
New this week at FIRM
FIRM’S CELEBRATES 20 YEARS!
Everyone is invited to FIRM's 20th Anniversary Celebration on June 19, 2026, at the Gardens Hotel in Key West. Since 2006, FIRM has saved Monroe County residents over $760M in Citizens windstorm...
FIRM’s Top Priorities
FIRM fights for fair, equitable and affordable property insurance coverage for homeowners, residents and business owners, which protects property values and contributes to housing affordability.
Wind Insurance
Most Monroe County residents get wind insurance from Citizens, the state-run insurance organization
Flood Insurance
Federal flood insurance is mandatory in Florida. Risk Rating 2.0 determines your rates.
Property Insurance
FIRM helps you navigate the complex Florida property insurance requirements
Elevate your Home
Let FIRM help you access grants and programs to protect or elevate your home
Legislation
FIRM’s advocacy efforts in Tallahassee have saved homeowners more than $900 million
Latest news from Monroe County, Florida and the US
FIRM regularly monitors the news, information and legislation affecting wind, flood and property insurance rates in the Keys. We choose only the most reliable sources to ensure you get the best information on which to make decisions.
SEPTEMBER TIP OF THE MONTH: CLARIFYING NFIP’S RATINGS AND CLAIMS TERMS
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...
AUGUST TIP OF THE MONTH: HURRICANE PREPAREDNESS FOR YOUR YARD
As we head into peak hurricane season, August's tip is all about prepping your landscaping to...
JULY TIP OF THE MONTH: CHECK YOUR ROOF COVERAGE
In anticipation of next month's Monroe County Insurance Solutions Town Hall: Roofs and Coverage,...
MONROE COUNTY INSURANCE SOLUTIONS TOWN HALL: Roofs & Coverage
FIRM is hosting a town hall-type meeting to help condominium associations, businesses and...
About Fair Insurance Rates for Monroe
Our Mission
FIRM fights for fair, equitable and affordable property insurance coverage for homeowners, residents and business owners, which protects property values and contributes to housing affordability.
Our Board
The Board of Directors has expertise in engineering, lodging, grant-writing, insurance, fundraising and homeowner/condo associations and supports our active committees
Our History
Since 2006 FIRM has empowered Monroe County residents to make informed decisions about property insurance coverage, the claims process, mitigation and storm preparedness.
Our Finances
FIRM believes financial transparency benefits our mission in the Florida Keys. Our annual reports and 990 filings are always available to the public to ensure we are responsible stewards of the public and private financial support of our members.
What is FIRM is doing today?
State leaders insist they’ve resolved Florida’s property insurance crisis. Florida homeowners aren’t buying it.
They’re reporting surging premiums, a staggering rate of being dropped by their insurers, and deep dissatisfaction with the coverage they’re getting.
Overall, 55% (of homeowners) see no signs the insurance market is improving, and 26% contend it is getting worse.
State leaders say they fixed Florida’s insurance crisis. A new survey shows homeowners don’t buy it
www.sun-sentinel.com
They’re reporting surging premiums, a staggering rate of being dropped by their insurers, and deep dissatisfaction with the coverage they’re getting in our exclusive South Florida Sun Sentinel/Orl...1 CommentsComment on Facebook
JULY TIP OF THE MONTH: CHECK YOUR ROOF COVERAGE
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...
Ready to elevate your home?
FIRM's Elevation Education Project explains the process for elevating and storm-proofing your home and connects you with the sources and contractors to manage your project.
Download our property insurance guide
Our comprehensive property insurance guide helps you navigate wind, flood and homeowner insurance requirements in Florida, Monroe County and the Keys.
Our Supporters and donors
Monroe County, FL
City of Key West
Marathon & Lower Keys Assn. Realtors
Key West Assn. Realtors
Sexton Family Foundation Trust
Little Palm Island
Village of Islamorada
First Horizon Foundation
First State Bank of the Florida Keys
City of Marathon
Sugarloaf Shores Property Owners
