Public Protection Classification Program
To help establish appropriate fire insurance premiums for residential and commercial properties, insurance companies need reliable, up-to-date information about a community’s fire-protection services. ISO provides that information through the Public Protection Classification (PPC™) program.
What is the PPC program?
ISO collects information on municipal fire-protection efforts in communities throughout the United States. In each of those communities, ISO analyzes the relevant data using our Fire Suppression Rating Schedule (FSRS). We then assign a Public Protection Classification from 1 to 10. Class 1 generally represents superior property fire protection, and Class 10 indicates that the area's fire-suppression program doesn't meet ISO’s minimum criteria.
By classifying communities' ability to suppress fires, ISO helps the communities evaluate their public fire-protection services. The program provides an objective, countrywide standard that helps fire departments in planning and budgeting for facilities, equipment, and training. And by securing lower fire insurance premiums for communities with better public protection, the PPC program provides incentives and rewards for communities that choose to improve their firefighting services.
ISO has extensive information on more than 47,000 fire-response jurisdictions
How does your insurance company rate your Fire District?
The Insurance Services Office (ISO) evaluates and scores your Fire District (105.5 points maximum) based on the Fire District initial attack capabilities, emergency communication, the water supply and community risk reduction programs. We are currently rated as an ISO 5 (1 is the best and 10 is the worst) if you are within 5 road miles of a fire station. ISO generally evaluates the District and other agencies identified below every 10 years. We were last evaluated in 2004.
The ISO evaluates the Fire District’s ability to launch an effective initial attack on structure fires through an evaluation process that includes staffing levels, training certifications, station locations, fire apparatus equipment, and water pumping capacity. This section has a total of 50 available credit points.
Durango Central Dispatch (operated by the City of Durango) is evaluated based on their capability of the emergency communication systems to effectively handle receipt and dispatch of 911 calls to fire departments. As part of this analysis, the communications facilities, the performance of alarm receipt and processing, the training and certification of tele-communicators, and the dispatch circuits are evaluated. This section has a total of 10 available credit points.
Private and public water systems are also evaluated. The evaluation compares the available water supply at representative community locations with the needed water supply for those locations. As part of the analysis, the supply works capacity (wells, pumps, etc), the water main capacity, and the fire hydrant distribution is evaluated to find the limiting factor. The distribution, maintenance and condition of hydrants, pumps and storage facilities are also reviewed. This section has a total of 40 available credit points.
Community Risk Reduction is new to the ISO evaluation. ISO evaluates a community's proactive efforts to reduce fire risk and frequency by examining three distinct areas: fire prevention, public fire safety education, and fire investigation capabilities.
Does your community enforce the latest edition of a nationally recognized fire prevention code?
• Do you have certified plan reviewers to review new commercial buildings for compliance with the adopted fire prevention code?
• Does your community have certified fire inspectors to perform fire prevention inspections?
• Do you have a pre-incident planning program?
• Does your community have public fire safety education programs such as residential fire safety, school fire safety, juvenile fire-setter intervention, etc.?
• Does your community have professional fire investigators to investigate all structure fires?
This section has a total of 5.5 available credit points.