City of Minot’s fire protection rating improves to Class 2
The City of Minot’s fire protection rating, a national insurance industry risk rating of a municipality’s structural fire suppression delivery system, has been raised to a Class 2 by the Insurance Services Office. The change takes effect Dec. 1.
The change not only means that the Minot Fire Department’s level of fire protection service has improved, according to the ISO analysis, but it could also mean lower property insurance rates for homeowners and business owners within Minot.
“The news of the lower rating is exciting for the city, as well as for personnel at the Minot Fire Department, the dispatch center and the water department,” said Minot Fire Chief Kelli Flermoen. “This was not an overnight task, as our personnel had to work hard to keep up standards, adjust to changes with operating procedures, and update information in all areas of fire protection in the city.”
ISO rates municipalities on a scale of 1 to 10. An ISO Class 10 rating is considered the least effective structural fire suppression delivery system while an ISO Class 1 rating is the most effective from an insurance analysis perspective. ISO ratings play an important role in the underwriting process at insurance companies, according to Flermoen. Most U.S. insurers use these ratings as part of their decision-making process when considering coverages and pricing for personal or commercial property insurance.
Of 46,042 fire departments inspected nationwide, only 241 achieved a Class 1 ISO rating. Minot joins just 1,324 other fire departments in the nation that have achieved a Class 2 rating.
“The ISO’s process for the rating was based on surveying and inspecting all aspects of what the fire protection system has achieved since its last review in November 2013,” Flermoen said. “ISO officials looked at our 911 system, the water system as it relates to hydrants, and many other factors involved in providing quality fire and rescue service. Countless hours of preparation went into getting ready for this inspection, and we’re happy our hard work has been rewarded.”