Contact the Insurance Services Office or your homeowners insurance policy provider to find the Public Protection Classification, also referred to as the Fire Protection Classification, assigned to your community. The organization evaluates local fire protection and assigns classifications for property insurance rating purposes.
The Insurance Services Office grades a community based on water supply and distribution, fire department capabilities and any other municipal factors that reduce property loss from fire. Using the Fire Suppression Rating Schedule, it assigns a classification from 1 to 10, with 1 being the best.
The Insurance Services Office performs community evaluations for the insurance industry. Insurance companies use the area's history of claims, the community's Public Protection Classification and other relevant factors to calculate homeowners insurance rates for individual properties.