Insurance Services Organization (ISO) Ratings

The Insurance Services Office (ISO) has established three (3) different Public Protection Classifications (PPC’s) within Klamath County Fire District No. 1. *The ISO PPC is a recommendation that is used by most insurance companies to establish fire insurance premiums for properties that they insure. The smaller the PPC number, the lower the insurance premium

*The State Farm Insurance Company (and possibly other companies) do not use the ISO PPC’s to establish fire insurance premiums. If your property is insured by a company that does not use the ISO recommendations to establish fire insurance premiums you should check with your insurance agent to find out if there are things that you can do to reduce your premiums.

The criterion for each of the recommended PPC’s within Klamath County Fire District No. 1 is as follows:

• PPC 4 Properties are those properties that are within 1000 feet of a recognized fire hydrant and within five (5) road miles of a responding fire station (including those of our automatic aid partners).
• PPC 8b Properties are those properties that are within five (5) road miles of a responding fire station but not within 1000 feet of a recognized fire hydrant.
• PPC 10 Properties are those properties that are more than five (5) road miles from the closest responding fire station (whether or not a fire hydrant is located within 1000 feet of the property).

NOTE: It is the property owner’s responsibility to verify the distances to fire hydrants and responding fire stations. The District will be re-evaluated by ISO this spring.