"Over the past 35 years, Florida's families have paid into the NFIP (National Flood Insurance Program) over $16 billion, four times more than the amount they have received in claim reimbursements. We have done more than our fair share to make the NFIP financially sound. In addition, Florida's superior coastal building code standards and leading efforts in the area of hurricane loss mitigation have further reduced exposure for the NFIP. Florida's rates should commensurately reflect these important risk-mitigating factors."
-Gov. Rick Scott in a letter to Senators Bill Nelson and Marco Rubio


Marathon City Council Pledges $10,000 toward FIRM's RIPP Wind Mitigation Study

September 11, 2014

The FIRM Board of Directors is thrilled to announce that the City of Marathon, with City Manager Mike Puto leading the charge, voted to support FIRM and its Reduce Insurance Premiums Project (RIPP) windstorm-readiness study. They have pledged $10,000 toward the cost of the study.

A great amount of thanks goes to Mr. Puto, as well as to Mayor Dick Ramsay, Vice Mayor Chris Bull, and Council members Keating, Senmartin and Bartus! The Marathon City Council has displayed generosity and proactive leadership in this very important study - the results of which will have far reaching effects for Marathon and all of Monroe County, our property owners and residents.

The challenge is now on for other local leaders within Monroe County to follow suit. We need help from every community in the Keys!


Competition for Hurricane Related Legislation

September 7, 2014

Keys Congressman Joe Garcia has recently launched a "contest" to gather ideas for hurricane related policies. There is one more week until the deadline for submissions (September 15). The full press release about the contest is posted here.

(Please note that Fair Insurance Rates in Monroe does not endorse or support any candidates for office. This is only being distributed as a service message.)

    Click here to open a PDF of the press release with submission details.


Non-Residential Floodproofing Requirements and Certification

September 3, 2014

FEMA's "Technical Bulletin 3-93" -- first published in 1993 -- has been updated earlier this year.

It "describes design, construction, and planning requirements for the floodproofing of non-residential buildings under the National Flood Insurance Program (NFIP) regulations and how to correctly complete the NFIP's Floodproofing Certificate for Non-Residential Structures form. For the purposes of this bulletin, floodproofing means making a building watertight, substantially impermeable to floodwaters."

    Click here to open a 15-page PDF of the full Bulletin.


RIPP Post Cards Resume

August 31, 2014

We have had a very good volunteer response in our call for participation in the RIPP (Reduce Insurance Premiums Project) study. But we still need more to achieve a statistically valid study result. We're about to send out another batch of postcards to owners of still more random (within various "strata") homes across the county.

Please monitor your mailbox, you may receive the pictured postcard from us soon. If so, pleasefollow the directions on the card...

Click the pic for a larger PDF of the card that shows both sides.


"County faces wind rate increases"

August 28, 2014

The Key West Citizen recently reported about CITIZENS Insurance continuing to unfairly target Monroe County homes. FIRM will continue to work to rectify this inequity. We still need your help in dealing with this, though. If called on to participate in our Reduce Insurance Premiums Project (RIPP), please do!

    Click here to read the Citizen story.


Vote YES on the height referendum

August 20, 2014

FIRM supports Key West's referendum that will allow homeowners to protect their property by elevating structures up to 4' above base flood level. This would not be a requirement for new or existing homes. Any elevation would be at the discretion of the homeowner (and, if the home is in Key West's historic district, subject to approval by HARC). FIRM believes this is an important tactic not only to mitigate against rising flood insurance premiums, but to protect our homes for decades to come

Here is the language of the referendum:

To protect property against flooding and reduce flood insurance costs for taxpayers citywide, should the City permit an exception to building height regulations when buildings are voluntarily raised off the ground, up to four feet above FEMA established flood levels, yet no more than 40 feet in height?

As you may know, FEMA will be re-drawing flood insurance rate maps over the next few years, and the result of that redrawing will likely vary by property. (Check out this video to learn more about the issue: http://youtu.be/wFYoIgtlJL8 .) Providing homeowners with the option to elevate their structures will help us preserve our community and our way of life.

    (Click here to open a PDF copy of this endorsement.)


"FIRM home inspections are painless, helpful"

August 2, 2014

The Key West Citizen recently ran a letter to the editor from a happy home-inspection volunteer in our Reduce Insurance Premiums Project (RIPP) study, where the homeowner tells of his experiences with the inspection involved.

    Click here to read that letter.


FIRM Needs
Your Assistance!

July 30, 2014

FIRM desperately needs several volunteers to assist with a few aspects of our RIPP (Reduce IInsurance Premiums Project). Most of the effort will be carried out in your own home, though some time in our office may be required.

Call our office (305-294-3476) or email us at RIPP@firmkeys.org if you are interested in helping with this critical effort. FIRM thanks you in advance for helping us accomplish our mission for the insurance-payers of our greater community.

Be the change!


FIRM's new Directors and Officers for 2014/2015

July 25, 2014

After careful consideration of the many supportive members who answered our call and volunteered to join our Board of Directors, several new Directors have been "sworn in" at the Board's June meeting:
   Theresa Faber of Cudjoe Key
   Robert Gold of Key West
   Michael Kiraly of Maraton
   Steve Russ of Key West
   Michele White of Little Torch Key
   Joe Walsh of Key West

Subsequently, the Board of Diectors selected a new slate of officers:
   President: Mel Montagne
   Vice President: Heather Carruthers
   Treasurer: Phil Wilson
   Secretary: Carol Schreck

Please look over our BOARD/STAFF page (also linked from the navigation menu above) to get familiar with FIRM's full board and staff.


"Grassroots group still needs homes for anonymous inspections in effort to lower Keys windstorm rates"

July 23, 2014

Good Local coverage HERE in the KeyNoter newsaper for our Reduce Insurance Premiums Project (RIPP). We're over the hump in getting suitable volunteer homes, but still need quite a few. Please answer the call...

    Click here for more on the Reduce Insurance Premiums Project.


FEMA Flood Zone Mapping Meetings

July 7, 2014

The outcome of the FEMA Flood Mapping program could greatly affect your insurance rates. These meetings will help to understand the program and provide a forum for public input. FIRM highly recommends that FIRM members -- and the general public -- attend and participate.

  • -- July 21 on Key Largo
  • -- July 22 in Marathon
  • -- July 23 in Key West

    Click here to view the agenda and other meeting details.


You'll find our older announcements and news
included within our IN THE NEWS Page: HERE.