ISO Rating

Public Protection Classification (PPC) is the countrywide classification system used by the Insurance Services Office (ISO) to grade a community's local fire protection. This grade is then used to set property insurance rates. The public fire protection of a community is graded using ISO's Fire Suppression Rating Schedule to develop the community's classification. The PPC rating is based on: 

  • Emergency communications systems, including facilities for the public to report fires, staffing, training, certification of telecommunicators, and facilities for dispatching fire departments
  • The fire department, including equipment, staffing, training, and geographic deployment of fire companies
  • The water supply system, including the inspection and flow testing of hydrants and a careful evaluation of the amount of available water compared with the amount needed to suppress fires
  • Community efforts to reduce the risk of fire, including fire prevention codes and enforcement, public fire safety education, and fire investigation programs

The City of Decatur has been assigned a PPC rating of 3/8B. The first number of this split classification is the PPC for structures within 1,000 feet of a fire hydrant and five road miles of a fire station. The second number is for structures more than 1,000 feet from a fire hydrant but within five road miles of a fire station.
   ISO PPC Notification Letter - City of Decatur/Class 3
   ISO PPC Notification Letter - Outside Protected Area (OPA)/Class 8B

For more general information concerning the ISO rating system visit the following websites:

Texas Department of Insurance

Insurance Services Office, Inc.