ISO recognizes the dynamic and comprehensive duties of a community's fire service and understands the complex decisions a community must make in planning and delivering emergency services. In general, the price of fire insurance in a community with a good PPC grade is substantially lower than in a community with a poor PPC grade, assuming all other factors are equal. Insurance companies use PPC information for marketing, underwriting, and to help establish fair premiums for homeowners and commercial fire insurance premiums. Statistical data on insurance losses bears out the relationship between excellent fire protection – as measured by a PPC – and low fire losses. The result of the evaluation is a PPC grade that is assigned to the respective community.Īccordingly, an ISO rating reflects a community's investment in fire mitigation and is a proven and reliable predictor of future fire losses.
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The PPC summary report is prepared with an evaluation that emphasizes Monroe County Fire Rescue’s emergency communications, quality of infrastructure and apparatus inventory, the distribution of fire stations in the area, staffing and training, the community’s water supply for fire suppression and testing of its pumps, the fire prevention program, fire safety education, and fire investigation. The schedule measures the major elements of a community’s fire protection system and develops a numerical grading called a Public Protection Classification (PPC).
EMERALD CITY CONFIDENTIAL ISO MANUAL
This ISO rating is a product of data that is analyzed using a Fire Suppression Rating Schedule (FSRS) manual containing the criteria ISO uses in reviewing the fire prevention and fire suppression capabilities of individual communities or fire protection areas. The Insurance Services Office rates fire departments and their communities against their organization’s standards to determine property insurance costs. The ratings are done from 1 to 10, with 1 being the highest score.
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The ISO scores fire departments on how they are doing against organizational standards to determine property insurance costs. All Monroe County Fire Rescue stations in unincorporated Monroe County have an ISO rating of 3.