The Insurance Services Office (ISO) has completed their analysis of the structural fire suppression delivery system provided in the City of Kearney and the Suburban Fire Protection District #1 of Buffalo and Kearney Counties (SFPD #1). The City of Kearney maintained the Public Protection Classification (PPC) of a 2/2X. The SFPD #1 improved to a PPC 3/3X. The SFPD #1 was previously a PPC 5/9. The primary PPC designation applies to any structure that is located within 5 road miles of a fire station and within 1,000 feet of a fire hydrant. This lower classification will potentially mean significant savings in property insurance for the affected residents and businesses. The new classifications will go into effect on July 01, 2018.
ISO’s PPC program evaluates communities according to a uniform set of criteria, incorporating nationally recognized standards developed by the National Fire Protection Association and the American Water Works Association. A community’s PPC depends on:
- Needed Fire Flows, which are representative building locations used to determine the theoretical amount of water necessary for fire suppression purposes.
- Emergency Communications, including emergency reporting, telecommunicators, and dispatching systems.
- Fire Department, including equipment, staffing, training, geographic distribution of fire companies, operational considerations, and community risk reduction.
- Water Supply, including inspection and flow testing of hydrants, alternative water supply operations, and a careful evaluation of the amount of available water compared with the amount needed to suppress fires up to 3,500 gallons per minute.
ISO’s PPC Program plays an important role in the underwriting process at insurance companies. Most insurers use PPC classifications for underwriting and calculating premiums for residential, commercial, and industrial property.