ISO’s Public Protection Classification Service gauges the fire protection capability of local fire departments to respond to structure fires in a properties. ISO collects information on a community’s public fire protection and analyzes the data using our Fire Suppression Rating Schedule (FSRS). They then assign a Public Protection Classification from 1 to 10. Class 1 represents the best public protection, and Class 10 indicates no recognized protection. By classifying a fire departments ability to suppress fires, ISO provides crucial information for understanding the entire landscape of risk associated with a specific property. They have extensive information on more than 47,000 fire-response jurisdictions. The Snowmass-Wildcat Fire Protection District is proud to exhibit a Class 4 protection rating for our entire Fire District.
How does ISO evaluate local fire protection? And what does the classification mean for individual property insurance costs in our community?
ISO’s expert staff collects information about municipal fire protection efforts in communities throughout the United States. In each of those communities, ISO analyzes the relevant data and assigns a Public Protection Classification (PPCTM) — a number from 1 to 10. Class 1 generally represents superior property fire protection, and Class 10 indicates that the area’s fire suppression program does not meet ISO’s minimum criteria.
Virtually all U.S. insurers of homes and business property use ISO’s Public Protection Classifications in calculating premiums. In general, the price of fire insurance in a community with a good PPC is substantially lower than in a community with a poor PPC, assuming all other factors are equal.