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Insurance (ISO) Rating

The Insurance Services Office, Inc. (ISO) is a New Jersey based private corporation that provides a rating system for public protection classifications. Fire departments across the nation are rated by ISO to determine a Public Protection Classification (PPC) number on a scale from 1 to 10, with 1 being the very best and 10 representing less than minimum recognized fire protection. Most major insurance carriers use the PPC in calculating your fire insurance premiums. In general, the price of fire insurance in a community with a good PPC is substantially lower than in a community with a poor PPC.

The ISO Public Protection Classification (PPC) is a fire risk rating tool that was originally designed in the early 1900’s and is well suited for large commercial buildings in an urban environment.  The ISO classification schedule is based on communications (911/dispatch) services (10%), water supply (40%), and then specific fire department resources (50%).  This system, through analysis of all aspects of the Fire District and water supply, determines a fire districts ability to respond to fires and thus is used by many insurance companies to determine the risk and premiums associated with these risks from fire.  For more information on how the ISO determines Public Protection Classifications, go to ISO’s Public Protection Classification Program. www.isomitigation.com

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Because of the above, many insurance companies, including some of the top rated, now do their own risk analysis to be more responsive in matching the real risk and market conditions and thus do not use the ISO system. The Hoodland Fire District highly encourages individuals to get multiple quotes from ISO and non ISO insurers. Doing so has resulted in very competitive rates and significant savings.

ISO reevaluated Hoodland Fire District #74 in 2020 and has received what is known as a dual rating. The two ratings apply to different properties within the fire district boundaries, based on road miles from one of the three fire stations.  The Public Protection Classification (PPC™) grades for our communities are effective May 1, 2021, and are applied using the following criteria:

  • PPC Grade 4: Addresses within five miles of a fire station.  About 96% of the structures within the Fire District receive this rating.
  • PPC Grade 10: Addresses beyond five miles of a fire station.  About 4% of the structures within the Fire District receive this rating.

This rating is an improvement from the previous classification (6/8B/10) assigned to Hoodland Fire District. This new rating also gives credit for recognizing the Government Camp Fire Station.  The residents of Government Camp can expect their ratings to improve from a 10 to a 4.

Determining ISO Rating:

The ISO insurance rating is based on mileage from a Fire Department. So you can use an online mapping program to determine the mileage between a residence and the nearest fire station.

Hoodland Fire District #74 (outlined in red) is the easternmost fire district in Clackamas County.  Our response area is approximately 45-square-miles and runs Highway 26 from near mile post 32, (east of Baty Road) to near Mile Post 57 (east of Snow Bunny). We proudly protect the rural communities of Marmot, Cherryville, Brightwood, Wemme, Welches, Zig Zag, Rhododendron and Government Camp from our 3 fire stations.

As of the 2010 U.S. Census, there were approximately 6,000 full-time residents in the area served by the Hoodland Fire District.
Fire Station Locations and Apparatus:

Station 351 (Main Station) - 69634 E Highway 26, Welches, OR 97067

  • Engine 351: 500 gallons of water and capable of pumping 1250 gallons per minute,
  • Engine 354: 1000 gallons of water and capable of pumping 1250 gallons per minute,
  • Water Tender 351: 3000 gallons of water and capable of pumping 1250 gallons per minute,
  • Brush 351: 400 gallons of water and capable of pumping 120 gallons per minute
May contain: nature, car, vehicle, automobile, transportation, outdoors, wheel, machine, shelter, building, rural, countryside, traffic light, light, plant, and tree

Station 352 (Brightwood Station) - 61388 E. Highway 26, Sandy, Oregon 97055 

  • Engine 352: 1000 gallons of water and capable of pumping 1250 gallons per minute,
  • Water Tender 352: 3000 gallons of water and capable of pumping 1250 gallons per minute,
  • Brush 352: 250 gallons of water and capable of pumping 100 gallons per minute
Brightwood Station 352, Engine 352, Brush 352

Station 353 (Government Camp Station) - 87600 E Government Camp Loop, Government Camp, OR 97028 

  • Engine 353: 500 gallons of water and capable of pumping 1250 gallons per minute
  • Water Tender 353: 3000 gallons of water and capable of pumping 250 gallons per minute
  • Brush 353: 400 gallons of water and capable of pumping 120 gallons per minute
May contain: building, housing, automobile, transportation, car, vehicle, house, plant, tree, and outdoors
Water Supply/Fire Hydrants:

The following water companies have ISO recognizable water systems and fire hydrants within the Hoodland Fire District: Alder Creek/Barlow, Brookwood, City of Sandy, Country Club, Government Camp, Lady Creek, Mt. Hood RV Village, Rhododendron, Riverside, Salmon Valley, Timberline Rim, Welches, and Zigzag Village. 

Click here for the list of fire hydrants by water company
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If you have additional questions, please fill out the Fire Protection Class Request Form to directly email Fire Marshal Kline