Scope of the Public Protection Classification Evaluation
The purpose of an Insurance Standards Office (ISO) public protection survey is to gather information to determine a numerical rating that insurers use for underwriting and to calculate premiums for fire insurance.
The Fire Suppression Rating Schedule (FSRS) recognizes fire-protection features only as they relate to suppression of fires in structures.
The Public Protection Classification (PPC) Evaluations are typically conducted every 10 years or when a community makes major improvements to the related evaluation criteria.
Fire Suppression Rating Schedule Evaluation Criteria
A community's PPC depends on:
Fire alarm and communication systems
Community fire suppression capabilities
Public water-supply system
Princeton's Public Protection Class Rating - 4
There are very few communities of Princeton's size who meet the protection class 4 requirements.
Most Illinois communities earning this level of protection or better are Chicago suburbs or have a larger population such as Peoria or Normal.
Only about 15% of the nation's communities have earned PPC 4 or better.
Community Benefit of the Public Protection Classification Rating
A community's investment in fire control is a proven and proactive mitigation element of future fire losses.
Insurance companies use PPC information to help establish fair premiums for fire insurance which generally offer lower premiums in communities with better protection.
By offering economic benefits for communities that invest in their firefighting services, the program provides a real incentive for improving and maintaining public fire protection.
Statistical data on insurance losses exemplifies the relationship between excellent fire protection and low fire losses.