"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
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FIRM (Fair Insurance Rates in Monroe) is a grassroots organization formed in February, 2006 comprised of homeowners and residents who are united to fight against excessive, discriminatory and unaffordable residential, condominium and commercial property insurance rates.
Come to FIRM's final 2014 Public Annual Meeting -- Key West
FIRM's Lower Keys Annual Meeting is on Tuesday, March 11 at 5:30 pm.
This final meeting for 2014 will be at the Harvey Government Center in Key West.
The House passed their 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 HR3370, 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 HR3370, 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!
FIRM's Public Annual Meetings -- Marathon
FIRM's Middle Keys Annual Meeting was held in Marathon on Wednesday, February 26. The remaining meeting will be in Key West on Tuesday, March 11...
Click here to read the Press Release.
FIRM's Public Annual Meetings -- Key Largo
FIRM's Upper Keys Annual Meeting was held in Key Largo on February 18th. Other meetings are in Marathon on Wednesday, February 26 and Key West on Tuesday, March 11...
Click here to read the Press Release.
Congressman Joe Garcia
Tele-Town Hall Meeting
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.
The House is Against Us...
Keep up the fight!
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.
Support Congressman Joe Garcia's charge to end the Flood Insurance Crisis
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
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
WE NEED YOUR STORY TO GO VIRAL!
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.
FIRM Applauds HARC's Commitment to Compromise
FIRM Executive Director
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.