INSURANCE SERVICES OFFICE (ISO)

Insurance Services Office (ISO) is an independent company that analyzes a community’s fire protection services, including emergency communications, fire department operations, and water supply. A Public Protection Classification (PPC) number is determined based on the analysis, and insurance companies use PPC information to help establish fair premiums for homeowner and commercial fire insurance. Assuming all other factors are equal, the price of fire insurance is, in general, lower in communities with a good PPC than in those with a poor PPC. Public Protection Classification numbers range from 1 to 10. The highest rating a fire suppression program can receive is a Class 1. Programs with a Class 10 rating do not meet the ISO’s minimum criteria.

 

In 2025, the Cape Coral Fire Department received a Class 2 rating, which is considered “excellent” and places the CCFD among the top fire departments in the state and nation for fire protection and emergency services. The CCFD is also an accredited agency through the Center for Public Safety Excellence, and there are only 103 other fire departments in the country that can claim both ISO Class 2 and accredited status.

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