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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:
- Emergency communications systems (e.g., dispatching for fires) 10% weight
- The overall department (e.g., staffing, training, certification, equipment, and facilities) 50% weight
- Water-supply system (e.g., inspection and testing of hydrants, availability of water needed to suppress fires) 40% weight
- 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 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.
You will need to contact the designated city municipality that serves your community.
- City of Lake Mary
407-585-1374
https://www.lakemaryfl.com/fire-department - City of Sanford
407-688-5052
https://sanfordfl.gov/government/fire/ - City of Longwood
407-260-3460
https://www.longwoodfl.org/180/Fire-Rescue - City of Oviedo
407-971-5611 or 407-971-5619
https://www.cityofoviedo.net/242/Fire-Department
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.
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.