Fire Departments and District's are inspected by Insurance Services Office (ISO) to determine its public protection classification (PPC). The classification plays and important role in the underwriting process at insurance companies. In fact, most U.S. insurers use the classification as part of their decision-making when deciding what business to write, coverages to offer or prices to charge for homeowner or commercial property insurance.
Classification ratings are Class 1 through 10, with 1 being the best rated. Class 10 is considered "unprotected", either due to the lack of a fire department covering the property or excessive distance from a fire station. The Beulah Fire And Ambulance Protection District is rated a Class 4 in those areas that are 1000 feet of a fire hydrant. The remaining areas that are within 5 miles of either of our stations are currently a Class 9. The District is currently working to incorporate two water trucks adding an additional 8000 gallons to our resources working with ISO to lower those who currently have and ISO rating of "9" down to a "4".
The classification program is important to communities and fire departments as well. Communities whose classification rating is lower may also get lower insurance rates. The classification also provides fire agencies with a valuable benchmark tool when planning and budgeting. The most significant benefit of the ISO rating is its effect on losses. Data on insurance losses bears out that excellent fire protection means low fire losses.
The ISO inspection and review process includes the following components: Emergency communications system, firefighting capability, water supply systems including the fire district's water tender system, and community risk reduction programs.
Beulah Fire Protection and Ambulance District has 2 stations located at:
Fire Station 1: 8675 Central Ave
Fire Station 2: 5051 Waterbarrel Rd
The department's fire apparatus include:
Engine 431 1000 gpm engine with 500 gallons of water
Engine 432 1000 gpm engine with 500 gallons of water
Engine 471 500 gpm engine with 500 gallons of water
Tender 491 1250 gallon tender (tanker)
Tender 492 4000 gallon tender (tanker)
Tender 493 4000 gallon tender (tanker)
1150 gallons of additional support water
The District has an ISO rating of 4 for those that fall within 1000 ft from a standard pressurized fire hydrant. Those that are outside of that category but within 5 road miles from either of the 2 stations qualify for an ISO rating of 9. Outside of that boudary qualifies for an ISO rating of 10.