Fire Department Contacts
The Insurance Services Office (ISO) is an independent organization that serves insurance companies and other agencies by providing information about risk. ISO evaluates information about fire protection in communities throughout the United States.
In each of those communities, ISO analyzes the relevant data and assigns a Public Protection Classification (PPC) rating from 1 to 10. Class 1 represents exemplary 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 residential and business property use ISO PPC in calculating premiums.
The Public Protection Classification is based on three major factors:
50% - Fire Department (staffing, training, equipment, risk reduction, geographical distribution of fire companies)
40%- Water Supply (amount of water available compared to amount needed for firefighting, hydrant size and type, inspections, maintenance and testing of hydrants)
10%- Emergency Communications (receiving and dispatching 911 calls, dispatch staffing, dispatch circuits)
Effective July 1, 2015, the City of Scottsboro Fire Department will have a split ISO PPC rating of 3/3X.
If a structure is located within 5 miles of a Fire Station and within 1,000 feet of a credible fire hydrant, the classification is a three. If a structure is within 5 miles of a Fire Station but over 1,000 feet from a credible fire hydrant, the classification is a 3X. Structures located outside a 5 road miles from a recognized Fire Station are classified as a 10.
In 2015, the Scottsboro Fire Department entered into an Automatic Aid Agreement with Limrock/Aspel Volunteer Fire Department for portions of the Larkinsville community in the city limits of Scottsboro. This agreement provides for dual dispatching of both Scottsboro Fire and L/AVFD for report structure fires in the Larkinsville community, and allows the affected area to be an ISO PPC classification of 3.
We will be more than happy to discuss the rating system with you or your insurance company by calling during business hours at 256-912-0537. Because insurance underwriters use ISO information independently, individual property owners should first contact their insurer to determine how the ISO PPC influences their specific property insurance.