What is ISO?
The ISO (Insurance Service Office), collects information on municipal fire-protection efforts in communities throughout the United States. In each of those communities, the ISO analyzes the relevant data using the Fire Suppression Rating Schedule (FSRS). The ISO then assigns a Public Protection Classification from 1 to 10. Class 1 generally represents superior property fire protection and a Class 10 indicates that the area's fire-suppression program does not meet ISO’s minimum criteria. The ISO primarily reviews three areas: the fire department; the city/town water main & hydrant capabilities, and 9-1-1 dispatch & paging services.
By classifying a community's ability to suppress fires, the ISO helps communities evaluate the effectiveness of 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. In addition, 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.