FIRM (Fair Insurance Rates in Monroe) is an organization that advocates for fair, equitable, and affordable property insurance coverage for residents and property owners in Monroe County, Florida. Their mission is to protect property values and contribute to housing affordability by empowering residents to make informed decisions about insurance coverage, claims processes, mitigation, and storm preparedness. FIRM fights against excessive, discriminatory, and unaffordable insurance rates and has been doing so since 2006. They also partner with local government entities to educate homeowners on home elevation options through grant programs like Flood Mitigation Assistance (FMA). FIRM is actively involved in monitoring FEMA's proposed Risk Rating 2.0 and its potential impact on flood insurance rates in the Florida Keys. They aim to provide resources and support to help residents navigate the complexities of windstorm and flood insurance in the area.