FIRM (Fair Insurance Rates in Monroe) is a grassroots organization formed in 2006 to fight for fair windstorm and flood insurance for the residents of the the Florida Keys. FIRM fights for fair, equitable and affordable property insurance coverage for homeowners, residents and businesses owners, which protects property values and contributes to housing affordability. FIRM empowers Monroe County residents to make informed decisions about property insurance coverage, the claims process, mitigation and storm preparedness.