When ISO develops a single Public Protection Classification (PPC™) for a community, all community properties receive that classification. However, in many communities, we develop split classifications, which we revised in 2013 to reflect the risk of loss more precisely. An example of the split classification is 4/4X or 4/4Y. 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 X and Y classifications replace the former 9 and 8B portions of a split classification, respectively. For example, a community formerly graded as a split 6/9 will change to a split 6/6X. Similarly, a community formerly graded as a split 6/8B classification will change to a split 6/6Y classification. Those designations reflect a reduction in fire severity and loss and have the potential to reduce property insurance premiums.
Note: The new classifications don't apply in North Carolina.
- To the fire service, the X and Y designations identify enhanced fire suppression capabilities used throughout the fire protection area.
- To the community, those designations reward a community's fire suppression efforts by showing a more reflective designation.
- To the individual property owner, the designations offer the potential for decreased property insurance premiums.