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. FIRM fights against excessive, discriminatory, and unaffordable insurance rates and empowers residents to make informed decisions about property insurance coverage, claims processes, mitigation, and storm preparedness. They provide resources and helpful links on their website for homeowners to understand the complexities of windstorm and flood insurance requirements. FIRM is currently accepting applications for a national grant program called Flood Mitigation Assistance (FMA), which provides funds to homeowners in Monroe County to elevate or demolish/reconstruct their homes that are at risk of flooding. They are also monitoring FEMA's proposed Risk Rating 2.0, which could result in significant flood insurance rate increases for homeowners in Monroe County.