Insurance Services Office Fire Rating

Model Antique Fire Engine

The City of Rosenberg has spent the last several years undertaking tasks focused on improving the City’s Insurance Service Office Public Protection Class (ISO PPC) rating for the benefit of property owners served by the Rosenberg Fire Department. The ISO PPC rating is utilized by insurance companies to derive property insurance rates.

About ISO Ratings

ISO classifies communities from 1 (the best) to 10 (the worst), based on how they score on the ISO Fire Suppression Rating Schedule, which evaluates system features such as water distribution, fire department equipment and manpower, and fire alarm facilities. ISO field representatives use the schedule to assess a community’s fire protection capabilities.

Continued improvements to the City’s fire protection capabilities including the acquisition of a “quint” ladder truck, a compressed air foam system rescue pumper, the completion of Fire Station 3, additional personnel, and enhancements to the City’s water supply system and fire alarm communication system, have contributed significantly to the City’s improved fire protection rating.

Recent Improvement in Rating

 Effective June 1, 2015, the City’s Public Protection Class rating  improved from 3 to 2 for properties located within the City Limits, and from 3/8B to 2/8B for properties in the City’s Outside Protected Area (OPA). The improved ratings may result in direct insurance savings for property owners served by the Rosenberg Fire Department. Residents are encouraged to contact their insurance providers to inquire about the effect of the improved rating on their insurance premiums.

In Texas, any reduction in insurance rates realized as a result of a community’s improved ISO PPC would apply to the property owner’s entire annual premium (not just the fire portion as it does in other states) if all endorsements (perils and property value) remained the same. Detailed information regarding specific anticipated savings percentages based on home composition, etc., is generated and updated by the Texas Department of Insurance and published by the Texas State Fire Marshal’s Office website.

Contact Us

For further information, visit the Texas Department of Insurance website, or contact the Rosenberg Fire Department.