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About ISO

ISO is the leading supplier of statistical, underwriting, and actuarial information for the property / casualty insurance industry. Most insurers use the PPC classifications (Public Protection Classification) for underwriting and calculating premiums for residential, commercial, and industrial properties.

To determine a community's PPC, ISO conducts a field survey. Expert ISO staff visit the community to observe and evaluate features of the fire-protection systems.

Using a manual called the Fire Suppression Rating Schedule (FSRS), ISO objectively evaluates three major areas:

  • Fire alarm and communications systems. A review of the fire alarm system accounts for 10% of the total classification. The review focuses on the community's facilities and support for handling and dispatching fire alarms.
  • A review of the fire department accounts for 50% of the total classification. ISO focuses on a fire department's first-alarm response and initial attack to minimize potential loss. Here, ISO reviews such items as engine companies, ladder or service companies, distribution of fire stations and fire companies, equipment carried on apparatus, pumping capacity, reserve apparatus, department personnel, and training.
  • A review of the water-supply system accounts for 40% of the total classification. ISO reviews the water supply a community uses to determine the adequacy for fire-suppression purposes. Hydrant size, type, and installation, as well as the inspection frequency and condition of fire hydrants.

For more information about the Insurance Services Office and Public Protection Classification process, please visit their web site at:


Insurance Services Office (ISO) has submitted a recommendation concerning your community’s Public Protection Classification (PPC). Currently, the Community’s Public Protection Classification rating is a Class 5/9.

Insurance Services Office is recommending that the classification be changed to a split Class 3/10, with an effective date of 02/01/2012. The recommendation is based on a review of your community performed on 01/27/2011 and does include application of the Texas Addendum.

With a split Class 3/10, all class-rated properties located within 5 miles of a fire station will use Class 3. All class-rated properties located farther than 5 miles of a fire station will use Class 10. With the alternative water supply grading, hydrant distance does not apply.

Print this letter from the Texas Department of Insurance, to receive the latest ISO Class Rating information for your insurance agent.