FIRM (Fair Insurance Rates in Monroe) is a nonprofit organization that advocates for fair, equitable, and affordable property insurance coverage for residents and property owners in Monroe County, Florida. They work 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 provide resources and helpful links related to flood insurance, flood maps, and the National Flood Insurance Program (NFIP). FIRM is actively involved in educating homeowners about home elevation options through partnerships with local agencies and grant programs. They are currently accepting applications for the Flood Mitigation Assistance Grant Program in Monroe County. Overall, FIRM plays a vital role in helping residents navigate the complexities of property insurance in the Florida Keys.