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The Impact of Improved Public Protection Classification Ratings on Homeowners’ Insurance Rates ... - page 3 / 9

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rating study of the fire service in the county. As part of this process, the IPSPR conducted an investigation of these factors that affect insurance rates. The areas included in IPSPR’s study included were the municipalities of Arcadia Lakes, Blythewood, Eastover, Forest Acres, and the unincorporated areas of Richland County. The City of Columbia, Fort Jackson, and McEntire Air National Guard Base were not included in the study.

The original PPC ratings for Richland County were based on 11 fire district areas. Within each of these districts, the ratings were heavily influenced by a structure’s distance from a fire station and a fire hydrant. This caused split ratings in several of the areas. Split class ratings generally occur when there are various amounts of water availability in the area.3 The following image depicts the county’s PPC ratings prior to the recent ISO study.

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