Wright City Fire Protection District Receives ISO Rate Improvement
On January 27, 2014, the Wright City Fire Protection District (WCFPD) received a letter from the Insurance Services Office (ISO) confirming a reduction in the insurance rating for properties within five road miles of a WCFPD or mutual aid partner’s responding fire station and within 1,000 feet of a fire hydrant or alternate water supply. The ISO rating for properties meeting these criteria would change from an ISO 6 to an ISO 4. A change in rating from 9 to 4Y will apply to properties beyond 1,000 feet of a fire hydrant but within five road miles of a recognized fire station.
ISO determines a rating for a fire protection area based on three parameters:
Dispatch and Communications (10 possible points).
Fire Department (50 possible points).
Water Supply (40 possible points).
The WCFPD was awarded 7.41, 30.02, and 21.88 points respectively. The sections include points for the number of 911 communicators on duty, types and sizes of fire apparatus, fire department personnel training, fire hydrant size, testing, and inspections, and many other categories.
Many insurance companies use the ISO rating as part of their formula for calculating insurance premiums. WCFPD property owners are encouraged to check with their insurance companies to see if the ISO changes will affect the cost of their insurance. WCFPD will continue to pursue opportunities to improve our ISO rating and the level of service we provide to the citizens of our District.
If you have any questions, please contact Chief MacKnight (firstname.lastname@example.org)