CURRENT ISO RATING - 4/4Y
​

What is ISO?

Your insurance rate can be affected by many different factors. The Insurance Services Office (ISO) rating is one of those factors. ISO collects information on fire-protection efforts in communities throughout the United States. In each of those communities, ISO analyzes the relevant data using a Fire Suppression Rating Schedule (FSRS). 

What does the Rating Mean?

​​ISO assigns 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.

When ISO develops a single Public Protection Classification (PPC™) for a community, all community properties receive that classification. However, in our community, ISO developed a split classification, which was revised in 2013 to reflect the risk of loss more precisely. The first number refers to the classification of properties within 5 road miles of a fire station and within 1,000 feet of a creditable water supply. The second number, with either the X or Y designation, applies to properties within 5 road miles of the fire station but beyond 1,000 feet of a creditable water supply. ISO generally assigns Class 10 to properties beyond 5 road miles.