ISO Fire Insurance Ratings

The ISO (Insurance Services Office, Inc.) is the leading supplier of statistical, actuarial, and underwriting information for and about the property/casualty insurance industry. The ISO fire insurance ratings for a community are the foundation on which most insurers build their coverage programs. The ratings are based on many factors, including the quality of the fire department, the water supply and hydrant locations, the city communication systems, the building codes, and the building inspection programs. The ISO ratings range from 1 to 10, with 1 being perfect. Since the ISO fire ratings are used by property insurance companies to set insurance premium rates, the lower the ISO fire rating, the lower the insurance premium.

If your insured structure is in Trigg County (not Cadiz city limits) and is within 5 miles of a fire station and 1000 feet of a fire hydrant , you should have the lower rating. If you live outside of these limits you will have the 9 rating. You should visit with your current insurance provider and make sure they are using the correct rating. 

Trigg County Fire Departments are rated as follows;

• Cadiz  6

• Cerulean  8/9

• Caledonia  9

• East Golden Pond  5/9

• Linton  9

• Montgomery 7/9

• Roaring Springs  9

• South Road  6/9

• Trigg/Lyon  7/9