Why are properties misclassified, and what is the impact?
The nearest fire station to a property isn’t always the responding one—or even capable of an effective response. Some water supply systems can’t deliver enough water to fight fires and service the community. And some properties are hard for firefighters to reach.
Whatever the cause, misclassification can lead to mispriced risk and adverse selection.
Building on a strong foundation of fire protection measurement
Fire Protection Risk Assessment helps you measure the strength of fire services across time and geography to capture this underwriting factor with pinpoint precision.
Grow your book of business
Target ideal profiles for expansion while avoiding adverse selection.
Predict loss experience more reliably
Compare key fire protection attributes against prior loss experience.
Improve the health of your book of business
Identify risks with lower frequency and severity.
Discover unmatched expertise on fire protection
Verisk constantly innovates to better assess fire protection for more accurate insurance rating and underwriting. Our solutions start with the industry-standard Fire Suppression Rating Schedule (FSRS)—key criteria to review community-level fire services.
Discover unmatched expertise on fire protection
Thorough grading criteria
- Emergency communications – Call handling and fire dispatch capabilities, protocols, and performance
- Water supply – Location and quality of water supplies, including more than 9 million hydrants
- Fire department – Department type—volunteer or paid—plus geographic coverage, distance to responding fire stations, and automatic aid
- Community risk reduction – Thorough grading of community fire mitigation efforts
Thorough grading criteria
PPC is more than fire protection areas—it’s address-level granularity
LOCATION Public Protection Classification (PPC®)
Use the gold standard in community-based fire protection scoring to understand details such as types and capabilities of local fire departments, the nature and accessibility of water supplies, and distance from a property to the nearest responding fire station—so you can select and price risk more accurately.
LOCATION Property Protection Score (PPS)
Go further with individual property risk scoring for personal lines homeowners. A new level of predictive granularity lets you drill deeper into fire protection and safety at the address level, with measurable advantages for growing your book and improving expected loss experience.
Related resources
Stay in the know about important industry trends and innovative solutions.
White paper
The Distance Fallacy in Fire Protection
Verisk research shows that for one in five addresses, the closest fire station isn’t the first to respond in an emergency. See how distance alone could put you on the wrong road.
Infographic
Fully capture the nuances of fire protection
LOCATION PPC measures 1,000+ unique data elements, supporting detailed analysis of fire-suppression capabilities. Explore the solution and key factors examined.
Do more with the Verisk ecosystem
Discover a full range of address-level hazard information and more to refine your underwriting.
Wildfire risk and mitigation
Analyze and manage address-level wildfire risk and assess community mitigation.
Address-level risk data and information
Get risk-specific, address-level information for every property in your book of business.
Contact us to learn more
Please contact us for questions, technical support, or to reach a salesperson. We are available Monday through Friday, 9 a.m. — 5 p.m. BST:
Global toll-free:
International Access code, then 800 48977489.
Main toll-free:
1-800-888-4476