ISO Rating
The LFRA and the Insurance Service Office (ISO) have updated the Public Protection Classifications (PPC) as a result of the completion and staffing of LFRA Fire Station Number 7. The new classifications went into effect March 1, 2021.
Background
Established in 1971, the Insurance Services Office (ISO) is the primary source of fire-related insurance risk to municipalities. ISO evaluators visit and evaluate municipal fire service organizations approximately once every five to ten years. ISO performs a comprehensive analysis of the complete fire protection system for the municipality, including the dispatch center, water supply infrastructure, and all aspects of fire service organization and operations. LFRA was evaluated in January 2015 and received an updated public protection classification (PPC) rating from ISO in April 2016.
In large part, this improved rating is due to the outstanding services of the Loveland Emergency Communications Center (dispatch) as well as the Loveland Water and Power Department, and other regional water distribution systems, and significant improvements in LFRA operations, equipment, resources, and station locations. This is a comprehensive evaluation and this rating would not have been possible if not for the extraordinary services of our City Departments and neighboring partners.
What does this mean to you?
Depending on the rating criteria outlined below, this could have a positive impact on lowering the premium you pay for homeowners insurance on your home or business. Because insurance companies vary in the ways they apply ISO ratings, property owners should contact their insurance providers to learn if premium reductions are available.
Current ISO Ratings
- LFRA FPSA (Fire Protection Service Area): PPC rating of Class 2 - This rating applies to all structures within five road miles of an LFRA fire station AND within 1,000 feet of a fire hydrant.
- LFRA FDS (Fire Department Supply): PPC rating of Class 3- This rating applies to all structures within five road miles of an LFRA fire station and are NOT within 1,000 feet of a fire hydrant. This is the area to which LFRA must bring its own water supply, via water tender shuttle operations.
- PPC rating of Class 10 - Any area that is more than five road miles of an LFRA fire station.
(Previous ISO ratings were 4, 6, and 10 respectively)
Please Note: The Insurance Service Organization (ISO) Ratings provided to the Loveland Fire Rescue Authority are based on a comprehensive analysis of the LFRA including station locations, staffing, apparatus and equipment, firefighting procedures and training, and water supply systems. We share data from that comprehensive analysis in the form of GIS mapping information that indicates ISO Public Protective Classification (PPC) ratings. PPC ratings are also determined by road miles from the nearest staffed or volunteer fire station within a jurisdiction, and proximity to water supply hydrants. These ratings are used to determine insurance costs to property owners.
We encourage property owners to share information provided on our LFRA website with insurance providers or underwriters. The ISO encourages insurance providers or underwriters to contact them at 800-444-4554, Option Number 2 for more detailed information and any clarifying information related to a specific property and a Public Protection Classification. LFRA can not certify the ISO rating for your property, only the ISO can do that. We provide this page only to be used as a guide.
Interactive ISO Ratings Map
The map should open in a separate window, but it may take several seconds to load. You can find a location's ISO PPC rating by clicking on the address search bar, located at the top of the left sidebar, and entering an address. When the correct address is listed in the address choices, select the address. The map will then zoom to that location and the result for the ISO PPC rating query will display in the left sidebar. Alternatively, you can click on the "Use current location" button instead of typing in an address. The "Use current location" button is available when you click on the address search bar. A color-coded key showing the map symbols for the ISO PPC Class ratings is located in the left sidebar.
Additionally, you can utilize mapping websites, such as Google Maps, to determine the approximate road miles distance between a specific address and the nearest fire station. For the addresses of all of our fire stations, visit the Fire Stations page.
Standards of Cover
If you have any questions about what type of fire response there would be for your residence or business, view the Standards of Cover document, beginning on page 126 (PDF).