The ISO Fire Protection Rating System


The Insurance Services Office, Inc. (ISO) has for many years done evaluations and ratings of the fire protection provided in communities. This system is called the ISO Public Protection Classification program, or PPC. The PPC process grades a community's fire protection on a scale of 1-10, based on ISO's Fire Suppression Rating Schedule.

Many insurance companies use ISO's PPC evaluations as a factor in setting the premiums they charge for property insurance; the better the community's PPC grade, the lower the premiums the insurance company would charge for property insurance in that community.

ISO's data on fire losses indicates that communities with better fire protection as evaluated by the PPC do in fact tend to have lower losses from fire damage than other communities.

As of December 1, 2007, the City of Loudon's ISO Rating is: 4