SUPPORT US

FIRM advocates for Monroe County residents, businesses and homeowners. We have fought successfully since 2006 against excessive, discriminatory and unaffordable property insurance rates.

You can make

a difference

 

Since 2006 FIRM has saved Monroe County property owners more than $900 million in excessive, discriminatory and unaffordable property insurance rates over claims paid.

FIRM Thunderstorm

How FIRM Works

We have fought successfully since 2006 for Monroe County property owners

1. Become a member

There are four ways to become a FIRM member:

  • Sign up for our newsletter
  • Support our lobbying efforts: FIRM PAC
  • Support our education mission: FIRM KEYS
  • Consider becoming a board or committee member

2. Your contributions at work

FIRM fulfills its mission to the Florida Keys through advocacy and community education. FIRM KEYS supports education, research, preparedness and mitigation. FIRM PAC advocates directly and through its lobbyists in Tallahassee and Washington, D.C.

3. Tax status & financials

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.

01.

Become a member

Though we welcome your financial support, membership in FIRM is free. There are four ways you can ensure FIRM continues to fight for fair insurance rates for Monroe County, lobbies successfully on a local, state and national level and provides resources and multiple educational opportunities for the public.

  • Sign up for our newsletter
  • Support our lobbying efforts: FIRM PAC
  • Support our education mission: FIRM KEYS
  • Consider becoming a board or committee member

02.

Your contributions at work

High property insurance costs negatively impact our citizens, our workforce, our housing affordability, our property values and our economy.

FIRM’s 2024 Legislative Priorities

  • Restore the 10% rate cap for Monroe County
  • Increase Citizens’ eligibility cap from $1M to $1.5M
  • Roll back the flood insurance requirement for Citizens policyholders that are not at risk for flood–X zone or above base flood elevation.
  • Roll back the requirement that Citizens windstorm policies be identical to flood insurance policies allowing for lower or no contents coverage under flood insurance.

03.

tax status & financials

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.

  • FIRM KEYS supports education, research, preparedness and mitigation. Donations to FIRM KEYS may be tax deductible.
  • FIRM PAC advocates directly and through its lobbyists in Tallahassee and Washington, D.C. Contributions to FIRM PAC are not tax deductible.
FIRM logo

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.

FIRM logo

Donate to FIRM KEYS

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

Our Supporters and donors

Monroe County seal

Monroe County, FL

City of Key West

City of Key West

MLKAR Logo

Marathon & Lower Keys Assn. Realtors

Key West Assn. Realtors

Sexton Family Foundation Trust

Little Palm Island

Village of Islamorada

First Horizon Foundation

City of Marathon

Sugarloaf Shores Property Owners

Key West chamber of Commerce

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