"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


FIRM regrets to announce that Executive Director Chic Wagner has resigned.

APRIL 21, 2014

Chic was hired in November 2013, when the Board saw the need for a full-time Executive Director to manage its many immediate challenges involving windstorm, flood insurance and historic preservation issues.

FIRM and Monroe County owe Chic a deep debt of gratitude and appreciation for his enthusiastic efforts advancing FIRM's strategic plan laid out in October 2013. His tireless efforts dealing with Citizens Insurance, State and Federal Legislators were instrumental in achieving the successes and protections recently afforded Monroe County citizens.

While we will miss him, we thank him for his contributions and wish him well in pursuing his dream of laid back island living and being on the sea.


Take FIRM's Short Survey -- you could win a Water Adventure for two!

MARCH 26, 2014

CITIZENS Insurance has asked FIRM to prove that Monroe County building construction standards are the state's highest. Once proven, they WILL reduce our rates! However this requires a rapid - but carefully controlled - study of Keys construction.

THE PROJECT is already underway -- but we need YOUR HELP to speed it up! PLEASE help accomplish this by taking our short survey. NO OBLIGATION imposed!

Need more than LOWER insurance rates to convince you? How about: Complete our short survey and you're automatically entered into a drawing for....
(for TWO)
. Follow that link for all of the details about the prize. After the survey ends, each who completed it will be added to a "hat" and a single winner will be drawn. Winner will be notified directly, and announced here.

    Click here to TAKE THE SURVEY now!


Wind Insurance Cost Reduction Project Frequently Asked Questions

MARCH 20, 2014

Everything you need to know about participation in the study that will prove to insurers that Monroe County's building codes are the toughest in the state.
    Click here to view the FAQ

FIRM Silent Auction Fundraiser

The Gardens Hotel

MARCH 13, 2014

Supporting FIRM's effort to stop the rising tide of flood insurance, the Key West Association of REALTORS sponsored a silent auction fundraiser at The Gardens Hotel, 526 Angela Street, on Thursday, March 13...
    Click here for more details.

UPDATE -- News Release

FIRM's Summary of the Homeowners Flood Insurance Affordability Act

MARCH 12, 2014

Significant victories were achieved in DC but work remains to be done. Together, we stood up, lobbied hard, and worked closely with Congress to secure the most beneficial relief legislation to the Biggert-Waters Act possible...
    Click here to read FIRM's News Release.

Press Release

FIRM's 2014 Public Annual Meeting -- Key West

MARCH 11, 2014

FIRM's Lower Keys Annual Meeting was on March 11 at the Harvey Government Center in Key West...
    Click here to read the advance Press Release.

Initial HR 3370 Update

MARCH 4, 2014
The House passed their initial version of the Flood Insurance Affordability Act

On March 4, after two weeks of negotiating, the House passed, 301 to 95, an amended version of HR 3370, the Homeowner Flood Insurance Affordability Act of 2014. While FIRM does not think it's a perfect bill, we are supporting its passage. The bill provides immediate relief to primary homeowners, eliminates the "sale trigger" that caused premiums to immediately skyrocket, provides refunds for folks caught between Biggert-Waters and HR 3370, requires and funds the affordability study, and has other positive aspects.

We are disappointed that second home owners and businesses will be subject to increases of up to 25% on average and are committed to continuing the fight for fair flood insurance rates for all property owners.

Thanks to EVERYONE who signed our petitions and shared their stories. YOU MADE A DIFFERENCE!

Press Release

FIRM's Public Annual Meetings -- Marathon

FEBRUARY 26, 2014

FIRM's Middle Keys Annual Meeting was held in Marathon on Wednesday, February 26...
    Click here to read the Press Release.

Press Release

FIRM's Public Annual Meetings -- Key Largo

FIRM's Upper Keys Annual Meeting was held in Key Largo on February 18th...
    Click here to read the Press Release.

News Release

Congressman Joe Garcia
Tele-Town Hall Meeting

FEBRUARY 18, 2014

Live Discussion on National Flood Insurance Reform

Congressman Joe Garcia hosted a live Telephone Town Hall to discuss flood insurance rate increases and the onerous impacts they have had on homeowners like you. Rep. Garcia provided an update on legislative and agency initiatives aimed at rectifying these impacts and fielded questions and concerns.

News Release

The House is Against Us...
Keep up the fight!

FEBRUARY 5, 2014

After the Senate voted last week for a delay, key House Republicans are opposing delaying flood insurance increases...
    Click here to read AP's February 4th Insurance Journal article.

News Release

Support Congressman Joe Garcia's charge to end the Flood Insurance Crisis

JANUARY 20, 2014

As Congress continues to struggle over resolving the flood insurance rate hike crisis that threatens thousands of Florida families, U.S. Rep. Joe Garcia, D-Miami, introduced legislation Thursday to delay the proposed rate increases for at least five years...
    Click here to read the January 16th Miami Herald article by Mary Ellen Klas, Herald/Times Tallahassee Bureau, and respond with your comments.

FIRM Call to Action:   Sign the
Flood Insurance Affordability Act Petition

JANUARY 1, 2014
Soaring Hikes in Flood Insurance Premiums Are Threatening Our Way of Life

Tell our Florida Congressional Delegation to support the Senate's Homeowners Flood Insurance Affordability Act (S 1610) and its companion bill in the House (HR 3370). The Cassidy Bill is BAD for Florida!
FIRM supports the Senate's Homeowners' Flood Insurance Affordability Act (S 1610) and its companion bill in the House (HR 3370) which would delay rate increases for a period of four years for far more impacted Florida properties in a much more beneficial way.
    Click here to read more and sign the petition.

Stop Biggert Waters NOW

DECEMBER 23, 2013

FIRM and YOU are STANDING UP and initiating an URGENT GRASS-ROOTS CAMPAIGN to STOP BIGGERT WATERS, the federal flood insurance act that continues to devastate our communities. We need your one-minute video story...
    Click here for the details.

Press Release

FIRM Applauds HARC's Commitment to Compromise

DECEMBER 5, 2013

FIRM Executive Director
Chic Wagner

FIRM and HARC held a public workshop to explore FIRM’s proposal to loosen HARC Guidelines to allow for the voluntary use of storm grade reproduction windows, when replacement is necessary, by homeowners who wish to secure valuable windstorm insurance mitigation credits, conserve energy, and keep in step with...
    Click here to read the entire press release.

December 2013 —
Preserving Our Community & HARC

A Presentation to the Key West Historical Architecture Review Committee

View presentation.
See list of PDF presentations.