Insurance Service Office (ISO) Rating

ISO Rating

In 2019, the District was notified that Insurance Services Organization (ISO) has raised the Public Protection Classification (PPC) rating for the department to a Class 3/10 (10 being anyone located more than 5 road miles away from an approved fire station) from a 4/10. The new rating will take effect on January 1, 2020. The new rating will likely lower insurance premiums in Show Low and the surrounding areas located within the Fire District boundaries for property coverage.

ISO DataThe amount of reduction will depend upon several variables, including which insurance company the property owner has chosen. In general, the price of insurance in a community with good PPC is substantially lower than a community with a poor PPC, assuming all other factors are equal.

This new and improved ISO 3 rating places the community in the top 14% of communities in the United States in relation to the fire department’s ability to respond to structural fires.

The following community features were evaluated:

Emergency communications
A maximum of 10 points of a community’s overall score is based on how well the fire department receives and dispatches fire alarms. The field representatives evaluate:

  • the emergency reporting system
  • the communications center, including the number of telecommunicators
  • computer-aided dispatch (CAD) facilities
  • the dispatch circuits and how the center notifies firefighters about the location of the emergency

Fire department
A maximum of 50 points of the overall score is based on the fire department. ISO reviews the distribution of fire companies throughout the area and checks that the fire department tests its pumps regularly and inventories each engine and ladder company’s equipment according to NFPA 1901. ISO also reviews the fire company records to determine factors such as:

  • type and extent of training provided to fire company personnel
  • number of people who participate in training
  • firefighter response to emergencies
  • maintenance and testing of the fire department’s equipment

Water supply
A maximum of 40 points of the overall score is based on the community’s water supply. This part of the survey focuses on whether the community has sufficient water supply for fire suppression beyond daily maximum consumption. ISO surveys all components of the water supply system. We also review fire hydrant inspections and frequency of flow testing. Finally, we count the number of fire hydrants that are no more than 1,000 feet from the representative locations.

The Timber Mesa Fire and Medical District committed to saving lives and property by training professional firefighters, providing proper equipment, and an adequate supply of water. Members of the District are extremely proud that their hard work has paid off.