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. Their mission is to protect property values and contribute to housing affordability by empowering residents to make informed decisions about property insurance coverage, the claims process, mitigation, and storm preparedness. FIRM fights against excessive, discriminatory, and unaffordable insurance rates and has been working towards this goal since 2006. They offer resources and helpful links on their website to educate homeowners on flood insurance, including information about the flood maps, NFIP reauthorization, home elevation education projects, and more. FIRM is also building a database to show real-life examples of how homeowners will be affected by FEMA's proposed Risk Rating 2.0 for flood insurance.