ISO & Community Risk Reduction
The Public Protection Classification (PPC) program, run by Verisk (formerly ISO), assigns every community a number from 1 to 10 — Class 1 represents superior fire-suppression capability, Class 10 means the area doesn't meet Verisk's minimum criteria. Insurers use this classification, among other factors, in setting property-insurance pricing — this is not a Capital Command assessment, certification, or official score; it's a real, external rating produced by Verisk based on your community's own documented capabilities.
The FSRS scores four areas, out of a total possible 105.5 points:
Resulting classes: Class 1 requires 90.00+ points, Class 2 requires 80.00–89.99, Class 3 requires 70.00–79.99, Class 4 requires 60.00–69.99, and Class 5 requires 50.00 or higher — classes 6 through 9 continue downward, with Class 10 for areas that don't meet minimum criteria.
A lower (better) PPC can mean lower property-insurance premiums for residents and businesses in your coverage area — a real, tangible community benefit tied directly to documented department capability.
Real, verifiable documentation of training, apparatus/equipment condition and testing records, water-supply capacity and testing, dispatch procedures, and community risk-reduction programs. A capability that exists but isn't documented doesn't help your score — Verisk scores what you can show them, not what you say you do.
See *A Practical Checklist for Improving Your ISO Score* for the documentation work this actually takes, and use ISO Readiness to track it.
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