ISO Fire Insurance Rating

The City of Snyder is proud to have achieved an ISO Public Protection Classification (PPC) rating of 3, reflecting our commitment to fire protection and community safety.

What is an ISO Rating?

An ISO rating is a score assigned to communities based on their fire protection capabilities. The rating scale ranges from 1 to 10, with 1 being the best possible rating and 10 indicating that a community’s fire protection services do not meet minimum standards. A lower ISO rating generally means lower insurance premiums for property owners.

ISO representatives use the Fire Suppression Rating Schedule to evaluate a community’s rating:

  1. Emergency Communications (10 points) – How well the fire department receives and dispatches fire alarms
  2. Fire Department (50 points) – The number of firefighters, training programs, response times, and equipment.
  3. Water Supply (40 points) – The availability of hydrants, water supply, and the ability to sustain firefighting operations.
  4. Community Risk Reduction (5.5 points) – Extra points for communities who excel in fire prevention, fire safety education, and fire investigation.

Snyder’s ISO Classification: 3/3Y

In July 2024, the City of Snyder received a split classification of 3/3Y, meaning properties are rated based on their access to fire protection infrastructure:

  • Class 3: Applies to properties within 1,000 feet of a fire hydrant and within 5 miles of a fire station.
  • Class 3Y: Applies to properties farther than 1,000 feet from a fire hydrant but still within 5 miles of a fire station.
  • Class 10: Applies to properties beyond 5 miles from a fire station, where fire protection is limited.

How This Affects You

If you live or own a business in the City of Snyder or nearby areas, this improved rating could mean lower insurance premiums. The classification is a split classification 3/3Y, which includes an OPA (outside protected area), so the line is not necessarily drawn at the city limits.  There are numerous residents and businesses in Scurry County who are eligible for the class-3 credit, and several more county residents who will improve from the previous 9 to 8B.

We are committed to maintaining and improving fire safety for our residents. If you have questions about how the ISO rating applies to your property, we encourage you to contact your insurance provider or the Snyder Fire Department for more information.