Insurers' Corner


Without knowing the boundaries of independent fire protection areas, insurers can’t accurately assess the fire protection for a building or assign a PPC™ code for rating purposes.

We’re introducing the “Insurers’ Corner” starting with this issue. We hope to discuss some common questions we get from our insurer customers. If you have a question you’d like answered, just reply to this e-mail. Keep your eye on future issues for our answer.

We’ll start this section with the most common question we get from insurers:

Why is identifying the “nearest fire station” insufficient to meet the needs of property insurers?

While it may be comforting to know that there’s a fire station close to the insured property, the critical question for property insurers is really whether that station is the responding one on a first alarm. If the insured property isn’t within the response area of a responding fire station, that “nearest” station will not respond in an emergency situation or its response will be delayed. ISO studies show that for almost 20 percent of properties nationwide the nearest fire station isn’t the responding fire station.

ISO Fire Suppression Rating Schedule

Our Fire Suppression Rating Schedule (FSRS) is free to chiefs and other fire officials. It's a manual containing the criteria ISO uses in reviewing the fire prevention and fire suppression capabilities of individual communities or fire protection areas. Go to Fire Chiefs Online to access your complimentary copy of the FSRS. If you're not yet registered, register here.

H2O and ISO

Water supply and distribution systems are important factors in determining a community’s ISO Public Protection Classification (PPC™). We provide complimentary educational training and seminars to water providers and associations throughout the country. Contact Anthony Zampella, national water resources manager, at 908-821-7689 or e-mail for more information.

ISO and Verisk websites

    ISO Mitigation Online for community officials; learn all about ISO’s PPC™ program and BCEGS® program