10 PPC Tips for Insurance Agennts

The Public Protection Classification Plan is a rating system ranging from 1 (best) to 10 (worst), which numerically ranks the community’s municipal fire protection system. Level 1 represents an excellent fire protection system, while group 10 represents practically no protection. Both the 9th and 10th categories are “unprotected” categories. That is, they represent rural areas where there are not enough fire hydrants or fire departments. Whether the protection level is 9 or 10 is determined by the distance from the available fire hydrant and the responding fire department.

Almost all American insurance companies use the ISO public protection classification to calculate house prices. However, please note that many insurance companies have somehow deviated from the public protection classification scheme’s rules using independent submission rules.

Where is the PPC system used?

All 50 states use some form of PPC system except for State Farm, and all top insurance groups use ISO’s PPC.

State-owned farms develop their classification system based on zoning. The part rating is very close to PPC.

What is ISO?

ISO is an independent company that provides insurance companies, communities, fire departments, insurance regulatory agencies, and other agencies with information about risks. ISO Experts collect information about municipal fire fighting in the community in all of America.

In each city, ISO will analyze relevant data and specify the PPC level-a number from 1 to 10. Class 1 represents fire examples, fire extinguishing procedures, category 10 representing the fire extinguishing procedures in the area, and does not meet ISO minimum standards.

ISO’s PPC program evaluates communities based on a uniform set of standards, including the nationally recognized standards formulated by the National Fire Department Association and the American Water Association. PPC level of the community depends on:

  • The fire flow required, which is used to determine the representative location of the building The theoretical amount of water necessary to extinguish a fire
  • Water supply, including fire hydrant, alternative water inspection, and flow test Water supply operations, and carefully assess the amount of water available. In contrast, the amount required to extinguish a fire is as high as 3,500 gallons per minute.
  • The fire department: Apart from the water supply, the most critical element of the FSRS is the company staff. You can earn up to 15 personnel points, depending on the average number of firefighters on duty available at fire stations to respond to a structure fire. To assess your department, ISO will review the one-year response records.
  • Due to volunteer firefighters’ restricted availability, ISO accredits three volunteers equivalent to one firefighter on duty. Some volunteer departments have members who sleep at the fire station. During the time volunteers are on duty at the station, ISO considers them equivalent to firefighters.
  • Emergency communications, including emergency reports, remote communicators, And scheduling system.

How to find your protection class lookup

It is not easy to find the protection class of your property. Insurance companies use ISO Public Protection Classification codes to identify risks and provide the cost of a homeowner’s insurance policy for a specific address. Unless you ask explicitly, you may never know your home’s PPC because the information is not widely available.

However, knowing your home’s PPC is possible if you contact your real estate broker, insurer, or local fire department. You can also search for information on your city or municipality’s government website.

Search for a protection class code by address

Although homeowners do not have easy access to PPC codes, it is possible to search for a protection class code by address. The problem is that there isn’t one single database that you can access. To find information, you must search by state or city or perform a protection class search by zip code.

Once you’ve located your area’s classification, you can also find the year the ISO gave the rating. For example, PPC for Semmes in Alabama is Grade 5, and the local government website states it was released in 2016.

Your state’s department of insurance also has protection class information. Contact the department by phone or visit the website to find the classification. For example, the Texas Department of Insurance keeps classifications by area.

Protection class codes in large Texas cities range from 1 to 2 and small towns from 4 to 7. You can also contact your insurance company or agent, local fire chiefs, or community representative to inquire about your home’s classification.

Looking for Class 10 Protection Family Insurance

The PPC insurance rating is from 1 to 10. Level 1 is the best because it indicates that your house is located in a location with a higher fire rating. If you are in a Class 10 area, your community does not meet the minimum ISO standards for fire fighting.

Some insurance companies do not allow you to purchase home insurance for a Class 10 home.

Your home is not automatically uninsured if your protection class is 10. Insurance companies evaluate each factor differently when determining the cost of the policy. If one company doesn’t offer insurance, check another to see if your home qualifies. Additionally, some companies do not use ISO ratings.

Instead, the company can calculate insurance premiums based on the fire department’s distance and losses and risks within a specific zip code.

ISO collects information about municipal fire-protection efforts in communities across the United States. In each of these communities, ISO analyzes the relevant data using our Fire Classification Schedule (FSRS). We then assign a Public Protection Rating from 1 to 10. Class 1 generally means excellent fire protection for property, and Class 10 indicates that the area’s fire fighting program does not meet ISO rating minimum criteria.

By ranking communities’ ability to extinguish fires, ISO helps organizations evaluate their public fire protection services. The program provides an objective standard for the entire country that allows fire departments plan and budget for facilities, equipment, and training. And by ensuring lower fire insurance premiums for communities with better public protection, the PPC program offers incentives and rewards for communities that choose to improve their ISO fire department rating services.

ISO has extensive information on more than 40,000 fire response jurisdictions.

Improving the ISO fire rating of your community will require resources and hard work. You and the other leaders in your organization will have to make decisions about priorities and budgets.


You don’t have to know your house’s level of protection, but it’s nice to know your home and community’s evaluation of fire protection and fire service. Classification can significantly change the amount you pay for homeowners’ insurance. If you want to buy a house on the market, please ask the real estate agent about the house’s protection level and then research the new community’s municipal fire protection work. If you are already a homeowner and compare the price of a new policy, remember that insurance companies can calculate PPC values ​​in different ways.

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