ISO Rating
Fire Insurance Rates Fire casualty companies (insurance
companies) establish fire insurance rates for all communities or fire
protection areas. These rates are solely up to the individual companies
and may be predicated on numerous factors. Most companies, however, use
a grading schedule established by the Insurance Services Office, a
rating bureau supported by the insurance industry.
The engineering model used by ISO to rate individual
fire departments evaluates a number of fire protection factors. The
final rating is developed based on the following formula; fire
protection capability (50%), water supply (40%) and communications
(10%). Fire protection encompasses fire department stations, equipment,
personnel, training, maintenance, etc. Water supply encompasses size and
locations of fire hydrants, water main sizes, water storage tank/towers,
wells/pumps, etc. Communications encompasses the emergency dispatch
center, 911 telephone system, back-up generators for the system, etc.
The current ISO rating for the Mehlville Fire Protection District
is ISO Class 3.
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