Homeowners’ Insurance and Fire Services
The Insurance Service Office has classified Georgetown as a split class of 2/8B
ISO stands for Insurance Services Office (ISO), which is an independent, for-profit organization. The ISO scores fire departments on how they are doing against its organization’s standards to determine property insurance costs.
Communities are rated on a scale of 1 to 10, with 1 being the best rating a community could obtain, 10 being the worst. The City of Georgetown currently has an ISO rating of a split class of 2/8B, with all areas outside of the city limits having a rating of 8 or 10. A number of cities in Texas have an ISO rating of 1, including Cedar Park, Coppell, El Paso, Euless, Houston, Mesquite, Plano, Richardson, Stafford, Tomball, and Wylie.
With a split Class 2/8B, all class-rated properties located within 1000 feet of a fire hydrant and within 5 miles of a fire station will use Class 2.
All class-rated properties located farther than 1000 feet of a fire hydrant and within 5 miles of a fire station will use Class 8/B.
All property located farther than 5 miles of a fire station regardless of a water supply, will be a Class 10
Areas in which ISO Evaluates our Community
The ISO rates communities in the following areas, with a total percentage of 105%:
Alarm System (10%): Factors include the receipt and dispatch of alarms, operators, response times, the organization of the dispatch center, and communications equipment.
Fire Suppression (50%): Factors include engine and ladder companies in service, apparatus pump capacity, equipment carried on apparatus, number of personnel staffing apparatus, number of reserve apparatus and equipment carried on each, fire station locations and their effect on response times, training of personnel, training facilities and their use.
Water Supply (40%): Factors include fire flows needed to extinguish a fire in a structure, hydrant spacing driven by fire flows, system capacity for fire flows sustained for a duration of two hours, and inspection and testing of fire hydrants.
Texas “Exception” Addendum (5%): Factors include fire prevention code enforcement, fire investigation, public fire safety education, and construction code enforcement. Although the Texas Exception only counts as 5% of the ISO Rating, it benefits our community with a much greater impact through community outreach, educating our children and adults.