Commercial and Residential Property Insurance and Your Fire Department How are they Connected?

The Facts
Your fire insurance premiums are based on infrastructure of available water for firefighting, emergency communication system and our fire departments’ risk management programs and its capability to respond the proper number and type of fire apparatus and firefighters to a fire. To help establish appropriate fire insurance premiums for both residential and commercial properties, insurance companies need reliable, up-to-date information about a community’s fire protection services. Insurance Services Office (ISO) provides that information to the insurance industry through the Public Protection Classification (PPC ) Program.

What is the Public Protection Classification (PPC) Program?

“ISO collects information on fire protection efforts in communities throughout the United States. In each of those communities, ISO analyzes the relevant data using the Fire Suppression Rating Schedule (FSRS). ISO then assigns a Public Protection Classification (PPC) from 1 to 10. Class 1 represents superior property fire protection, and Class 10 indicates that the area’s fire suppression program doesn’t meet ISOs’ minimum criteria.

By classifying a community’s ability to suppress fires, ISO helps the community evaluate its public fire protection services. The program provides an objective, a national standard that helps fire departments in planning and budgeting for facilities, equipment, and training. 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 firefighting services.”  Click here for PPC Program Information

The Berthoud Fire Protection District (BFPD) recognizes the financial impacts insurance premiums have on residential and commercial property owners within our service area. For the past 15 years, the BFPD has made improvements to lower residential and commercial ratings for homeowners and businesses within the District.

In 2015, following an ISO evaluation, ISO lowered the Districts PPC rating to a Class 2.

As the ISO rating is reduced, this means that you will be able to enjoy lower insurance premiums and better service from the BFPD. Please check with your insurance company to determine if you qualify for a reduced premium.

Click here to go to ISO's website.

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ISO – Public Protection Classification (PPC)

The Insurance Services Office (ISO) evaluates a community’s commitment to public safety by evaluating the professionalism of the local: fire department, emergency communication system, community risk reduction and infrastructure of available water. Utilizing the Fire Suppression Rating Schedule FSRS), a score is assessed that has an impact on property insurance premiums throughout the community.

The scoring methodology used by ISO rates fire protection from Class 1 through Class 10. The higher the PPC Class rating, the higher the risk factor. The lower the PPC Class rating, the lower the risk factor.

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The Berthoud Community’s Public Protection Classification

The Berthoud Fire Protection District established a strategic plan to improve the District’s Public Protection Classification. In January of 2015, ISO conducted an evaluation of the fire department, emergency communications system, community risk reduction and infrastructure of available water.

The Berthoud Fire Protection District received a Public Protection Classification rating of Class 2 for all properties, commercial and residential, within five (5) driving miles of either fire station.

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A Service Beyond Fire Protection

Statistically, less than 1 % of a community will require fire protection each year; however, nearly 87 % of the property owners in the same community purchase property insurance. With a lower Public Protection Classification rating, thousands of dollars in insurance premiums can be saved.

Public Protection Classification
Total Fire Departments 47,290
Total Class 2 Fire Departments 1,164
-- 2.3% of Fire Departments

Total Fire Departments 685
Total Class 2 Fire Departments 48
-- 7% of Fire Departments