Information provided below illustrates how your homeowner's insurance policy premiums are affected by the ability of your fire department to provide services in the event of a fire. South Metro Fire Rescue Authority has a "Class 1" rating in its district. If you would like to measure the distance from one of our stations to your home, we have provided our station addresses and a link to a mapping website.
If you are unsure whether or not you live within the boundaries of the South Metro Fire Rescue Authority, please click the appropriate county tax assessor's websites. There you will be able to search for your property, or a prospective piece of property, and view how your property taxes are allocated. You will be able to see, at a glance, if our name appears on the tax levy page.
Through the Public Protection Classification (PPC) Program, ISO evaluates municipal fire-protection efforts in communities throughout the United States. A community's investment in fire mitigation is a proven and reliable predictor of future fire losses. So insurance companies use PPC information to help establish fair premiums for fire insurance - generally offering lower premiums in communities with better protection. Many communities use the PPC as a benchmark for measuring the effectiveness of their fire-protection services. The PPC Program is also a tool that helps communities plan for, budget, and justify improvements.
About the PPC Program
ISO collects information on municipal fire-protection efforts in communities throughout the United States. In each of those communities, ISO analyzes the relevant data using our Fire Suppression Rating Schedule (FSRS). We then assign a PPC from Class 1 to Class 10. Class 1 represents exemplary public protection, and Class 10 indicates that the area's fire-suppression program doesn't meet ISO's minimum criteria.
By classifying communities' ability to suppress fires, ISO helps the communities evaluate their public fire-protection services. The program provides an objective, countrywide standard that helps fire departments in planning and budgeting for facilities, equipment, and training. And by securing lower fire insurance premiums for communities with better public protection, the PPC Program provides incentives and rewards for communities that choose to improve their firefighting services.
Individual Policy Protection
ISO has extensive information on more than 44,000 fire-response jurisdictions. Insurance companies - not ISO - establish the premiums they charge to policyholders. The methodology a company uses to calculate premiums for property insurance may depend on the company's fire-loss experience, underwriting guidelines, and marketing strategy. ISO doesn't know how each company incorporates PPC information into its pricing structure, so it's difficult to generalize how an improvement or deterioration in PPC will affect individual policies.