SANDOVAL FIRE PROTECTION DISTRICT
Our department currently has an ISO (Insurance Services Office) Rating of 6 within the city limits and 6/9 in rural areas. Many insurance companies use this rating to determine your insurance premiums for fire coverage. Others, such as State Farm do not. Please check with your particular carrier to determine how they calculate their ratings.
General Explanation of our 6 and 6/9 rating
If you live within the City Limits of Sandoval your rating will be a 6.
If you live outside the City Limits, less than 5 road miles from the fire station, but within 1000 feet of a fire hydrant, your rating will also be a 6.
If you live outside the City Limits, less than 5 road miles from the fire station, and farther than 1000 feet from a hydrant, your rating will be a 9.
If you live farther than 5 road miles from the fire station and more than 1000 feet from a fire hydrant, your rating will be a 10.
Guidelines and Information From ISO
The Fire Suppression Rating Schedule (FSRS) is the manual ISO uses in reviewing the fire-fighting capabilities of individual communities. The schedule measures the major elements of a community's fire-suppression system and develops a numerical grading called a Public Protection Classification (PPCTM). Here's how it works:
Ten percent of the overall grading is based on how well the fire department receives fire alarms and dispatches its fire-fighting resources. Our field representatives evaluate:
Fifty percent of the overall grading is based on the number of engine companies and the amount of water a community needs to fight a fire. ISO reviews the distribution of fire companies throughout the area and checks that the fire department tests its pumps regularly and inventories each engine company's nozzles, hoses, breathing apparatus, and other equipment.
ISO also reviews the fire-company records to determine:
Forty percent of the grading is based on the community's water supply. This part of the survey focuses on whether the community has sufficient water supply for fire suppression beyond daily maximum consumption. ISO surveys all components of the water supply system, including pumps, storage, and filtration. To determine the rate of flow the water mains provide, we observe fire-flow tests at representative locations in the community. Finally, we evaluate the distribution of fire hydrants.