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THE ISO PUBLIC PROTECTION CLASSIFICATION (PPC) PROGRAM L ISO's PPC program evaluates communities according to a uniform set of criteria defined in the Fire Suppression Rating Schedule (FSRS). These criteria incorporate nationally recognized standards developed by the National Fire Protection Association and the American Water Works Association. owl Utilizing the FSRS, ISO objectively reviews the fire suppression capabilities of a community and assigns a Public Protection Classification — a number from 1 to 10. Class 1 represents exemplary fire protection, and Class 10 indicates that the area's fire suppression program does not meet minimum recognition criteria. Assuming all other factors are equal, the price of property insurance in a community with a good PPC is lower than in a community with a poor PPC. The FSRS allocates credit by evaluating the following three major features: • Fire Alarm and Communication System - This review accounts for 10% of the total classification which centers upon a community's facilities and support for handling and dispatching fire alarms. • Fire Department - This review accounts for 50% of the total classification which focuses upon items such as engine companies, distribution of fire stations and fire companies, department manning, and training. • Water Supply System - This review accounts for 40% of the total classification highlighting the water supply a community uses for fire suppression. Split Classifications When ISO develops a single classification for a community, all of the community's properties receive that classification. In many communities, ISO develops a split classification (for example, 5/9). Generally, the first class, (Class 5 in the example) applies to properties within 5 road miles of a fire station and within 1000 feet of a fire hydrant. The second class (Class 9 in the example) applies to properties beyond 1000 feet of a hydrant but within 5 road miles of a fire station. ISO generally assigns Class 10 to properties beyond 5 road miles of a fire station. In a class 5110 community, Class 5 applies to properties within 5 road miles of a fire station. Class 10 applies to properties beyond 5 road miles of a fire station station. The above rules apply to properties with a needed fire flow of 3500 gpm or less. Properties with larger needed fire flows are individually evaluated, and may vary from the town classification. Countrywide Public Protection Classification Summary 1 2 3 4 5 6 7 8 9 10 Classifications