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Insurance Service Office (ISO)

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  ISO 1-2


Communities across the country are assessed for their ability to protect property from the loss of fire by the Insurance Service Office (ISO). Since the early 1970’s the ISO has applied their Fire Suppression Rating Schedule (FSRS) to each community to rate them for their ability to protect insured loss. The FSRS results in each community receiving a Public Protection Classification (PPC) which in turn is used by insurers to rate the risk of loss and those premiums paid by the property owners.

The PPC for fire protection is a 1-10 point scale with 1 representing the highest or best with 10 reflecting an area with little or no fire protection. Those areas of a community evaluated in the FSRS are water supply, emergency communications (911), and the fire department itself. Specifically within the fire department areas evaluated include firefighter daily staffing, fire apparatus, training, firefighting equipment, and pre-fire planning. Each specific area of the fire department’s operation is rated against a schedule of anticipated performance, and then against the community’s risk for fire. This overall assessment results in a score that is then applied to the PPC. The ISO evaluates the fire protection of more than 35,000 communities in America; less than 100 of these communities currently have attained the highest PPC of 1.

Kingman Fire Department received an on-site examination from the ISO in 2016. At that time the community was improved from the Class 4 rating to Class 1. The agency continues to work to maintain this level of fire protection through a comprehensive training program for all firefighters and a robust pre-fire planning program which supports updated fire inspections and response plans for each commercial and multi-family building in the city. Property owners are encourage to check with their insurer to see if they use the ISO Public Protection Classification rating system and if the ISO Class 1 rating for Kingman Fire Department could save them dollars on their premiums. A letter from the Fire Chief confirming the city’s PPC rating of Class 1 is available for download here.