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Top Rated in the Nation for Fire Response

Effective February 1, 2022, Seminole County homeowners and local business owners may qualify to receive a lower insurance renewal rate as a result of the ISO Class 1 rating earned by the Seminole County Fire Department (SCFD).

This is the highest possible rating to be received by the Public Protection Classification® from the Insurance Services Office. This rating places SCFD in the top .001% of the more than 40,000 fire departments in the nation rated by ISO.

The Seminole County Fire Department’s top ISO-1* rating means more safety and peace of mind for residents and businesses, as well as possible lower insurance premiums.

Important to note: Your insurance rates may not change due to this new ISO rating, and it is solely dependent upon your individual insurance carrier.

Learn more in the Frequently Asked Questions and in the Explainer Video below.

* Class 1 — This rating applies to properties within 5 road miles of a fire station. Most properties — 99% of the properties within the Seminole County Fire District — receive this rating.

Property Search

STEP 1: Enter your property address in the search field on the map below to determine if it is ISO Class 1 rated. Most properties within unincorporated Seminole County, the City of Altamonte, the City of Winter Springs and the City of Casselberry are ISO Class 1 rated .

STEP 2: If your property is designated ISO Class 1, you will see a link to click for your letter of verification request.

Frequently Asked Questions

To determine the ISO rating for fire departments, the organization conducts a field survey and scores fire departments across four key areas, including:

  1. Emergency communications systems (e.g., dispatching for fires) 10% weight
  2. The overall department (e.g., staffing, training, certification, equipment, and facilities) 50% weight
  3. Water-supply system (e.g., inspection and testing of hydrants, availability of water needed to suppress fires) 40% weight
  4. Extra credit, reviews community risk reduction (e.g., fire prevention codes and enforcement, education and outreach) extra 5.5% weight

Note: A 100-point scale is used. 

More information about ISO and the classification process is available at www.isomitigation.com.

Of the nearly 40,000 departments in the country, ISO lists only 411 Class 1 agencies, which puts the Seminole County Fire Department in the top .001% in the country. 

In addition, there are only 10 counties across the country that are ISO-1 rated, with only 3 counties within the state of Florida with this rating. 

Enter your address on this page in the ISO Rating Map above to see where your property resides. Then, request a letter of verification that you can then submit to your insurance company in order to check to see if the new rating will translate to lower premiums. Seminole County does not determine potential rate reductions. Those reductions are only determined by your insurance company. However, you must submit proof to your insurance that your property is ISO 1 rated to be considered for a reduced premium. 

Enter your address on this page in the ISO Rating Map above to streamline the process of obtaining a letter of verification that you can provide to your insurance carrier. You can also access this online form directly here

The ISO PPC class applies to all properties in your Fire Protection Area. How that classification applies to renters would depend on the individual insurance company and how they apply the PPC score.
No. ISO ratings only apply to those who own the property and they must be the ones applying for the insurance discounts.  

You will need to contact the designated city municipality that serves your community. 

ISO (or Insurance Services Office) gives fire departments a 1–10 rating regarding their ability to effectively respond to and prevent fires. A lower number rating means that a fire department is performing to higher standards. More specifically, an ISO Class 1 rating represents an exemplary fire suppression program. 

It is reviewed through the Public Protection Classification® program. ISO’s purpose is to help communities evaluate their public fire-protection services in order to be held to high national standards.  

Most insurance companies use this rating system to determine the fire insurance rates for both residential and commercial properties within a community. Communities with an ISO 1 ranking are afforded the lowest fire insurance rates. 

An ISO 2/2Y or (8B), which it has been for more than 7 years (since 2014). SCFD’s ISO-1 rating takes effect on February 1, 2022. 

No. Unincorporated Seminole County, including the municipalities that the Seminole County Fire Department serves, which are Altamonte Springs, Winter Springs and Casselberry, are predominately affected and most will be classified as an ISO 1. View the map that identifies ISO classifications throughout Seminole County.

  • Class 1 — This rating applies to properties within 5 road miles of a recognized fire station. 99% of the properties within the Seminole County Fire District receive this rating.
  • Class 10W — This rating applies to properties between 5 to 7 road miles of a recognized fire station. .05% of the properties within the Seminole County Fire District receive this rating.
  • Class 10 — This rating applies to properties further than 7 road miles from a recognized fire station. .05% of the properties within the Seminole County Fire District receive this rating

The distance is calculated by the Seminole County Fire Department using the actual response route followed from the nearest station. The majority of property will be moved up significantly in rating with this new classification, and your insurance company will determine if there is a rate reduction. 

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