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. They fight against excessive, discriminatory, and unaffordable insurance rates and empower residents to make informed decisions about property insurance coverage. FIRM provides resources and information on flood insurance, including the 2019 NFIP Reauthorization, flood maps, and the FEMA Risk Rating 2.0. They also offer educational workshops on home elevation and participate in grant programs to assist homeowners with mitigation costs. Additionally, FIRM collects data on how premiums are affected by new methodologies to show real-life examples of how homeowners will be affected.