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| Fire Insurance Rates |
| Fire casualty companies (insurance companies) establish fire insurance rates for all communities or fire protection areas. These rates are solely up to the individual companies and may be predicated on numerous factors. Most companies, however, use a grading schedule established by the Insurance Services Office, a rating bureau supported by the insurance industry.
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Firefighters always work in teams of at least two members.
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The engineering model used by ISO to rate individual fire departments evaluates a number of fire protection factors. The final rating is proportionately developed based on fire protection capability (50%), community water supply (40%) and communications (10%). Fire protection encompasses fire department stations, equipment, personnel, training, maintenance, etc. Community water supply encompasses size and locations of fire hydrants, water main sizes, water storage tank/towers, wells/pumps, etc. Communications encompasses the emergency dispatch center, 911 telephone system, back-up generators for the system, etc.
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The current ISO rating for the Boone County Fire Protection District is as follows:
| ISO Class 5 |
If your property is within 5 miles of a Boone County Fire District fire station. |
| ISO Class 10 |
If your property is beyond 5 miles of a Boone County Fire District fire station. |
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®2008 Boone County Fire Protection District, Columbia, Missouri |
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