What is a Fire Rating?
The Brentwood Fire and Rescue Department is rated a Class 2 by the Insurance Services Office (ISO) and its Public Protection Classification program. The ISO reviews fire departments throughout the country on various benchmarks and assigns a grade used by many property insurance companies to establish appropriate fire insurance premiums for residential and commercial properties. Class 1 generally represents superior property fire protection, and Class 10 indicates that the area’s fire suppression program does not meet ISO’s minimum criteria. Generally, the price of property insurance in a community with a good fire rating is lower than in a community with a poor fire rating. This could mean measurable savings in insurance premiums for homes and businesses alike.
Fire Rating and Insurance
- ISO ratings are one of many factors that affect insurance premiums
- Other factors include age of the structure, construction material, and loss history in a particular area could affect the base rate.
- Factors such as property value, deductible amount, multiple policies, security systems, and credit ratings affect an individual’s rates.
- Your insurance company may request a letter verifying proof of the Class 2 rating.
How Scoring Works
To determine a community's Public Protection Classification (PPC), ISO conducts a field survey that reviews and establishes more than a hundred data points. The points are compiled into 32 subcategories and four main sections:
- Emergency communications systems
- Fire department
- Water supply
- Community risk reduction
Between 2013 and 2017, Brentwood Fire and Rescue had a 31.53% improvement attributed to:
- Enhanced communication collaboration between Fire & Rescue, Police and Technology
- Utilizing automatic and mutual aid
- Superior training
- Excellent equipment
- Comprehensive deployment analysis to maximize resource effectiveness
Community Risk Reduction
- Emergency Response
- Engineering (Codes)
- Enforcement (Inspections)
National and State Rankings
Brentwood is in top 3% of Fire Departments Across America
- 48,632 fire departments rated in 2017
- 1,342 rated Class I or II (2.75%)
- 875 Tennessee agencies rated
- 29 rated Class I or Class II (3%)