The Public Protection Classification (PPC) program, is a tool developed by the Insurance Services Office (ISO) for property and casualty insurers to properly assess their risk by rating fire protection services throughout the United States.[1]
ISO collects data for more than 47,000 communities and fire districts throughout the country. The data is then analyzed using a proprietary Fire Suppression Rating Schedule (FSRS).[2] The Schedule then assigns a PPC score between 1 and 10 to the department, with Class 1 representing "superior property fire protection" and Class 10 indicating that an area doesn't meet the minimum criteria set by the ISO. On July 1, 2013, the revised FSRS was released, adding an emphasis on a community's effort to limit loss before an incident occurs.
In developing a PPC, the following major categories are evaluated:
Fire alarm and communication systems, including telephone systems, telephone lines, staffing and dispatching systems.
The fire department, including equipment, staffing, training and geographic distraction of fire companies.
Added 2013 criteria:
programs that contain plan review; certificate of occupancy inspections; compliance follow-up; inspection of fire protection equipment; and fire prevention regulations related to fire lanes on area roads, hazardous material routes, fireworks, barbecue grills, and wildland–urban interface areas.
To receive a PPC, a fire department must meet minimum infrastructure, staffing and equipment requirements. If a department doesn't meet at least one of the following requirements, then they are assigned a Class 10 rating.