OXNARD FIRE DEPARTMENT AWARDED INSURANCE SERVICES OFFICE PUBLIC PROTECTION CLASSIFICATION (ISO-PPC) PROGRAM UPGRADE
Oxnard residents and business may soon benefit from a new and improved Insurance Services Office – Public Protection Classification (ISO-PPC) score for Oxnard fire services. The former Oxnard Fire Department ISO-PPC score of Class-3 has improved to a new score of Class-2.
The ISO-PPC measures fire departments in 3 critical areas: communication, operations and water supply. The rating is important to Oxnard for a number of reasons. It plays an important role in the decisions insurers make on the underwriting and pricing of property insurance. In addition, it provides a valuable benchmarking tool that provides insight for planning, budgeting and justifying local fire protection improvements. It is worth noting that less than 4% of fire departments nationwide receive a rating of Class 2 or better.
The ISO-PPC rating provides insurance companies the ability to measure the quality of a community’s fire protection given that investments in fire mitigation are a proven and reliable predictor of future losses. While it is difficult to predict if insurance premiums will drop by a certain amount, the price of property insurance in a community with an excellent ISO-PPC score is lower than a community with a poor ISO-PPC score. Insurance companies, not ISO, establish the premiums they charge for coverage based on each individual insurance company’s fire loss experience, underwriting guidelines and marketing strategy. The ISO-PPC score may affect the underwriting and pricing of a variety of personal and commercial insurance coverages, including homeowners, mobile home and commercial properties. The hope is that Oxnard residents will see a modest reduction or a delay in rising premiums based on the city’s improved score.
The Oxnard Fire Department made numerous changes since the department’s last evaluation in 2013 to improve the ISO-PPC score. The department refocused its grant procurement activities on training grants. The city’s investment in fire training using grant dollars improved the department training score from 56% to 87%. Training comprises approximately 5% of the overall ISO-PPC score. Another area of improvement from 2013 was fire dispatch. The move to Ventura County Fire Communications Center (from Oxnard Police/Fire dispatch) improved the OFD score from 71% to 97% for fire communications, which makes up 10% of our overall score.
Fire Chief Darwin Base stated, “the residents of Oxnard should be proud of the improvements we have made in fire protection. Credit goes to the fire department, the city council and city management for the investments they have made especially with the opening of Fire Station #8. The improvement in the fire department’s operations score from 70.52% to 81.62% is due in large part to the opening of the new station and the improvement to our daily staffing.”
ISO’s expert staff collects information about municipal fire protection efforts in communities throughout the United States. In each of those communities, ISO analyzes the relevant data and assigns a Public Protection Classification (PPCTM) — a number from 1 to 10. Class 1 generally represents superior property fire protection and Class 10 indicates that the area’s fire suppression program does not meet ISO’s minimum criteria. Virtually all U.S. insurers of homes and business property use ISO’s Public Protection Classifications in calculating premiums.
Jesús Nava, Assistant City Manager/Acting Public Information Officer, 805-385-7430
FOR IMMEDIATE RELEASE: August 30, 2017