ISO has created a new water class based on our ongoing research and loss experience analysis within our Public Protection Classification (PPC®) program. Our data shows that risks located more than 5 but less than 7 road miles from a responding fire station with a creditable water source within 1,000 feet had better loss experience than those farther than 5 road miles from a responding fire station with no creditable water source. The new classification — 10W — recognizes the reduced loss potential of such properties.
Class 10W is property-specific. Not all properties in the 5-to-7-mile area around the responding fire station will qualify. The difference between Class 10 and 10W is that the 10W-graded risk or property is within 1,000 feet of a creditable water supply. Water supplies may include fire protection systems using hauled water when those systems meet our minimum criteria for mobile water supplies in the non-hydranted areas. 10W gives credit to those risks and is reflective of the potential for reduced property insurance premiums.
Note: The new Class 10W doesn't apply in North Carolina.