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Posted on: October 4, 2017

What is ISO and why is it important?


Savannah is an ISO Class 1 city. ISO stands for the Insurance Service Office. It is a leading source of information about property/casualty insurance risk. ISO expert staff collects information about municipal fire protection efforts in communities throughout the United States. In each of those communities, ISO analyzes the relevant data and assigns a Public Protection Classification (PPCTM) — a number from 1 to 10. Class 1 generally represents superior property fire protection, and Class 10 indicates that the area's fire suppression program does not meet ISO's minimum criteria. Just about every aspect of a city and a fire department is evaluated in determining the ISO rating. ISO would give points for everything from the training aids a fire department owned to the distance between fire hydrants.

Virtually all U.S. insurers of homes and business property use ISO's Public Protection Classifications in calculating premiums. In general, the price of fire insurance in a community with a good PPC is substantially lower than in a community with a poor PPC, assuming all other factors are equal.

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