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The Impact of Improved Public Protection Classification Ratings on Homeowners’ Insurance Rates ... - page 4 / 9





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Contributing Factors for Improved PPC Ratings

The traditional sources of water for fire departments are fire hydrants and pumper trucks. Prior to the 2006 ISO study, one of the reasons for the higher ratings in parts of Richland County was that many structures were located beyond 1,000 feet from a hydrant. Realizing the limitations of the water infrastructure in some of the rural areas, the CRFS decided to focus on other methods to meet ISO’s water supply requirements. ISO considers the ability of the water supply system to deliver the needed fire flow at sample locations throughout the area as part of the water supply system requirements. 4

The CRFS chose to employ a water shuttle system similar to ones being used in other communities to meet these requirements. A water shuttle uses predetermined water points such as dry hydrants. A dry hydrant is a static water source that is pre-piped to draw water from locations such as ponds and lakes to fill tanker trucks.

PPC Rate Changes in Richland County

The efforts of the CRFS and Richland County were successful in achieving improved PPC ratings. Due to the efforts to provide greater water supply, all of the unincorporated areas of the county received a single PPC rating of four, with the exception of two remote areas that are not within five road-miles of a fire station. These two areas maintained a rating of ten.

The new PPC ratings for the municipalities of Arcadia Lakes, Blythewood, Eastover, and Forest Acres are as follows:

  • Arcadia Lakes - One

  • Blythewood – Four

  • Eastover – Four

  • Forest Acres – Two

The unincorporated PPC ratings were effective on December 1, 2006. The ratings for the municipalities were effective on April 1, 2007. The image below displays the new PPC ratings for the county.


Prior to designing a methodology for this analysis, the IPSPR conducted a literature review to determine if any studies had been conducted on the effects of PPC rate changes on insurance rates in other states. The review uncovered related studies in Arkansas, Minnesota, and several other states. The Arkansas study focused on the effect of PPC rate changes for the average rural home value across the state. 5 The League of Minnesota Cities’ report provided an overview of PPC ratings and gave examples of how insurance premiums could be affected when PPC ratings change.6 A Fire-Rescue


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