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 a fire station but beyond 1,000 feet of a creditable water supply. ISO generally assigns Class 10 to properties beyond 5 road miles.
The Insurance Services Office (ISO) rates fire departments across the Country on a 1-10 rating system that is indicative of the department’s ability to suppress structure fires. The lower your score the better.
There are three main criteria that the scoring system looks at:
10% of the score comes from the capabilities of the dispatch center and the type of communication system that you have.
40% of the score comes from a review of the water supply system.
50% of the score comes from a review of the fire department’s first alarm response and initial attack capabilities to minimize potential loses.
Engine Companies 6 points
Reserve Pumpers 0.5 points
Pump Capacity 3 points
Ladder/Service Companies 4 points
Reserve Ladder/Service Trucks 0.5 points
Deployment Analysis 10 points
Company Personnel 15 points
Training 9 points
Operations Considerations 2 points
Community Risk Reduction 5.5 points (In addition to the 50 points above)