The Insurance Services Office (ISO) is an independent organization that serves insurance companies, fire departments, insurance regulators, and others by providing information about risk. ISO's expert staff collects information about municipal fire-protection efforts in communities throughout the United States. In each of those communities, ISO analyzes the relevant data and assigns a Public Protection Classification (PPC) — a number 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 homes and business property use ISO's PPC in calculating premiums. In general, the price of fire insurance in a community with a good PPC is substantially lower than in a community with a poor PPC, assuming all other factors are equal.
On February 1, 2023 ISO l concluded its review of the fire suppression features being provided by the City of Owasso. The resulting PPC is a Class 2/2X.
The PPC Class 2/2x is a “split” classification, which is applied as follows:
• Class 2 applies to properties within five (5) road miles of an Owasso Fire Station and within 1,000 feet of a fire hydrant or alternative water supply.
• Class 2x applies to properties over five (5) road miles and properties beyond 1,000 feet of a fire hydrant or alternative water supply.
All developed properties within Owasso’s city limits could receive a Class 2 designation based upon the location of the city’s fire stations and fire hydrants/water supply. Properties outside of Owasso’s city limits but within the Owasso Fire Department’s response area could also receive a Class 2 designation depending on the property’s proximity to a fire station and fire hydrant/water supply. Properties over five (5) road miles and properties beyond 1,000 feet of a fire hydrant/alternative water supply would receive a Class 2x designation.
The City of Owasso does not determine which classification a property is assigned. Such determinations are the responsibility of the insurance provider.
If you have any further questions please feel free to contact the Owasso Fire Department at 918-272-5253.