On Our ISO Rating

Fire Department Raised to Insurance Services Organization (ISO) Class 3 Rating

Recently, the Fire Department was notified by letter (PDF) that the Insurance Services Organization (ISO) has raised the Public Protection Classification (PPC) rating for the department to a Class 3. The new rating will take effect on December 1, 2012. The new rating will likely lower insurance premiums in Lynn Haven for property coverage.

Amount of Reduction

The amount of reduction will depend upon several variables, including which insurance company the property owner has chosen. In general, the price of insurance in a community with good PPC is substantially lower than a community with a poor PPC, assuming all other factors are equal.

Florida Distribution of Communities by PPC Class


As a matter of reference, out of 765 fire departments in Florida, only 73 are rated as Class 3. Also, only 39 departments are rated higher than 3. Communities are rated from 1 to 10 with 1 being the best and 10 allowing for no credit for fire service.

Program Objectives

Statistical data on insurance losses bear out the relationship between excellent fire protection (as measured by the PPC program) and low fire losses. By classifying a community’s ability to suppress fires, ISO helps the communities evaluate their public fire protection services. This program provides an objective, countrywide standard that helps fire departments in planning and budgeting for facilities, equipment, and training.

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.

Countrywide Distribution of Communities by PPC Class

The City of Lynn Haven is committed to saving lives and property by training professional firefighters, providing proper equipment, and an adequate supply of water. Members of the Lynn Haven Fire Department (LHFD) are understandably proud that their hard work has paid off.