FIRM (Fair Insurance Rates in Monroe) is an organization that advocates for fair, equitable, and affordable property insurance coverage in Monroe County, Florida. They fight against excessive, discriminatory, and unaffordable insurance rates and empower residents to make informed decisions about property insurance coverage, claims processes, mitigation, and storm preparedness. FIRM provides resources and helpful links related to flood insurance, including information about the 2019 NFIP Reauthorization and the 2020 Flood Maps. They also offer educational workshops on home elevation and participate in the Flood Mitigation Assistance grant program to help homeowners with costs associated with elevating their homes. FIRM estimates that homeowners in Monroe County could see flood insurance rate increases if FEMA's proposed Risk Rating 2.0 goes into effect.