Protection class lookup by zip code

AA — The station is serving the area under an automatic aid agreement from another jurisdiction. CA — The station is serving the area under a contractual aid agreement from another jurisdiction.

Applies if one fire protection jurisdiction agrees to automatically dispatch fire apparatus from an ISO recognized fire station to respond to structural fires within the fire protection area boundaries of an unprotected community. This field will not be displayed if the property is located in an unprotected area outside of any legal fire jurisdiction.

Water supply type applies only to risks within split-class fire protection areas. This field specifies the applicable water source for a particular risk. The field will not appear if the water supply type is not available or not applicable for the risk.

The possible water supply types are:. In single-class districts, you will see a note indicating that all buildings are classified as fully protected. If LOCATION does not return information on the location of the nearest fire hydrant or other approved source of water , the report will display a split classification e. Generally, the first class Class 5 in the example applies to properties within 1, feet of a hydrant or other approved source of water.

The second class Class 5X in the example applies to properties beyond 1, feet. You should use other information about the location of hydrants or other ISO-approved water sources to determine the correct PPC for the risk.

The system can return split classifications for both the dwelling and commercial PPC codes. In LOCATION, a split classification indicates that the risk is within five miles of a responding fire station, but ISO cannot confirm the distance to, or the availability of, an approved source of water.

In most states, ISO assigns Class 10W for properties between five and seven road miles from a responding fire station when creditable water is confirmed within 1, feet of the property excluding non-ISO jurisdictions and NC.

A class 10 is assigned for properties greater than five but less than or equal to seven road miles from the responding fire station without an ISO creditable water source within 1, feet of the property and for all properties greater than seven road miles from the primary responding fire station. Recognition for a superior level of fire protection in areas with limited water supply, where the PPC would otherwise be Class 9.

Reflects a Washington state-specific dwelling class rule providing recognition for a superior level of fire protection in areas with limited water supply, where the PPC would otherwise be Class 9.

Reflects a Mississippi state-specific dwelling class rule recognizing a certified fire department in a Class 10 area. Reflects a risk property that is greater than 5 but less than 7 miles from the primary responding fire station and is within 1, feet of an ISO creditable water supply.

The Future Effective PPC Report provides the future Public Protection Classification code for the fire protection areas that will experience a change within the next three months.

You can order the report only with a detailed PPC Report. You will receive a report only if the return source is an address-level match. Provides the future PPC for the fire protection area s serving the risk address. The report will display this field only if you order the service and if applicable to the fire protection area shown. The service is not available in bureau states. If the future PPC returned is a split class, the actual PPC for the risk address depends on the distance to the responding fire station and water-supply source.

Provides the date the future PPC becomes effective. If multiple future classifications apply to the fire protection area shown, the report will display each future PPC individually with its corresponding effective date. Risk Address. The address used to match against the database. Return Source. Shows whether the match is on an address level or a ZIP-Code level.

Public Protection Class at Risk. Displays the PPC code s for the risk address shown. Dwelling PPC at Risk. The code can also be alphanumeric — i. ISO refers to Fire Protection Class, based on the distance to the nearest water source or fire department. Common factors that influence the cost are the age of the home, square footage, and outdoor play equipment.

Because of the significant role, it plays in the cost of home insurance policies, Insurify is here to simplify it for you. To save time shopping for home insurance, use Insurify to compare quotes from top insurance companies and get the best price on your next policy. Specifically, it identifies risk in terms of fire protection services.

Fire protection class is another name for protection class code. PPC codes range from 1 to 10, with sublevels in between. Class 1 presents the least amount of risk and is typically the least expensive class to insure. Class 10 is the highest level of risk. Each item gets a point value, and the total score can range from zero to Because protection class codes were created for insurance industry professionals, ISO does not make PPC information available to policyholders or the general public.

You must search by state or township or do a protection class lookup by ZIP code to find the information. For instance, the PPC for Semmes, Alabama, is Class 5, and the municipal government site states it was issued in Contact the department by phone or visit the website to locate the classification.

The Texas Department of Insurance, for example, has a breakdown of the class ratings by area. The protection class codes in large cities in Texas range from 1 to 2, while small towns have ratings from 4 to 7.

PPC ratings are on a scale of 1 to Class 1 is the best because it shows your home is in a location with superior fire protection. Insurance companies weigh each factor differently when determining the cost of your policy. Instead, a company may calculate insurance premiums according to the distance from a fire station and losses and risks within a specific ZIP code. ISO assigns a protection class to a home according to the address or ZIP code to help insurance companies assess the risk of insuring the property.

You may also lookup the information on the government website for your city or township.