What are PPC fire protection ratings and how do they impact insurance?

The Insurance Services Office (ISO) grades cities and counties on their fire protection capability. Insurance companies use this Public Protection Classification (PPC) rating when they decide where they’ll sell home policies and how much to charge.  What does the ISO look at to set a fire department’s PPC rating?  They also look at the water department and supply, emergency communications, community risk reduction, and training.  Why should homeowners want to know their community’s PPC rating?  If you’re moving or building a home, you’ll want to be within five road miles of a fire station. You also want to be within 1,000 feet of a working water supply. If you’re not within these limits, companies might be less willing or unwilling to sell you a home insurance policy.  How does a homeowner find their community’s PPC rating?  You can ask your home insurance company or agent. You can also ask your city or county management.   How can I change my community’s PPC rating?  Talk to the managers of your city or county. Let them know that you’re concerned about the PPC rating. Get your friends and neighbors involved. Maybe you can effect change.