What is the Insurance Services Office (ISO) and what do they do?

The Insurance Services Office Incorporation (ISO) is a private firm that specializes in providing data, underwriting and risk management services to property insurance companies. ISO collects information on municipal fire protection efforts throughout the United States and provides the data to insurance companies to assist them in the voluntary establishment of property insurance rates.

By classifying communities’ abilities to suppress fires, ISO is able to also help communities evaluate their public fire protection services through its Public Property Classification (PPC) program. The program provides an objective standard that helps localities in planning and budgeting for facilities, equipment, and training. And by securing lower fire insurance premiums for communities with better public protection, the PPC program provides incentives and rewards for communities that choose to improve their firefighting services.

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1. What is the Insurance Services Office (ISO) and what do they do?
2. How does the Public Property Classification (PPC) rating work?
3. What has recently changed with respect to ISO classifications within Loudoun County?
4. Do the new ratings mean that I will see a reduction in my property insurance premium?
5. How do I determine the Public Protection Classification for my property?
6. How does ISO plan to keep up with future improvements to the county’s fire suppression infrastructure?
7. I see signs for “Dry Hydrants” in rural areas of Loudoun County. What are dry hydrants and does their use improve the Public Property Classification (PPC) ratings?
8. How can I learn more about installing a dry hydrant and the grant program?