FIRE SUPPRESSION RATING SCHEDULE
BY DALE PERRY
Although many property owners will never have a fire in their home or business, most insure their property. The amount they pay for fire insurance is largely determined by the Insurance Services Office (ISO) rating of the local fire department according to the Fire Suppression Rating Schedule (FSRS), a "point-based" evaluation system that ranks fire departments from 1 to 10 (1 being the best, 10 the worst--effectively no public fire protection). A fire department can review its rating with its city council and discuss the improvements that can be made to the department to lower its rating, resulting in lower insurance rates. This review is especially important during budget discussions. Many times, these savings are greater than the department`s budget.
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