The PPC (Public Protection Classiﬁcation) for our little part of the Lone Star State has been lowered from an original ranking of 10 to a 3/9 and now to a straight 3 effective October 2012, but only after several years of upgrading ﬁre protection capabilities and an extensive audit process by Montgomery County Emergency Service District #9 and the Caney Creek Volunteer Fire Department now ranking our service district in the top 5% nationally.
The PPC program provides important, up-to-date information about municipal ﬁre-protection services throughout the country. ISO’s expert staff collects information about the quality of public ﬁre protection in more than 44,000 ﬁ re districts across the United States. In each of those ﬁre districts, ISO analyzes the relevant data and assigns a Public Protection Classiﬁcation – a number from 1 to 10. 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.
Virtually all U.S. insurers of homes and business property use ISO’s Public Protection Classiﬁcations in calculating premiums. In general, the price of insurance in a community with a good PPC is substantially lower than in a community with a poor PPC, assuming all other factors are equal.