The City of LaSalle’s Fire Department was able to improve its urban rating from a 5 to a 4 in 2011, a testament to the hard work our FD has put in to make LaSalle as prepared a community as possible.
Benefits of the PPC™ Program for Communities
The PPC™ program recognizes the efforts of communities to provide fire-protection services for citizens and property owners. 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. 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.
The program also provides help for fire departments and other public officials as they plan for, budget, and justify improvements.
But the most significant benefit of the PPC program is its effect on losses. Statistical data on insurance losses bears out the relationship between excellent fire protection — as measured by the PPC program — and moderate fire damage. By helping communities prepare to fight fires effectively, ISO’s PPC program saves lives.
What is the PPC program?
ISO (Insurance Services Office) 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 Public Protection Classification from 1 to 10. Class 1 represents superior property fire 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.
ISO has extensive information on more than 47,000 fire-response jurisdictions.