THE ISO PUBLIC PROTECTION CLASSIFICATION (PPC) PROGRAM
~,'
III
4 B EVES DRIVE SUITE 200 MARLTON, NJ 08053 (856) 985-5600 FAX: (856) 985-6464
December 6, 2006
Mr. William B. Horne II, Manager
City of Clearwater
112 South Osceola Avenue
Clearwater, FL 33756
RE: Public Protection Classification Results
Clearwater OP A, Pinellas County, FL
Dear Mr. Horne:
We wish to thank you and the other community officials for your cooperation during our recent Public
Protection Classification (PPC) survey. ISO is the leading supplier of statistical, underwriting, and
actuarial information for the property/casualty insurance industry. Most insurers use the PPC
classifications for underwriting and calculating premiums for residential, commercial and industrial
properties.
ISO has completed its analysis of the structure fire suppression delivery system provided in your
community. We would like to report that your previous classification of Class 3 continues to apply. That
means your community's fire suppression services are keeping up with the demands of a changing
environment. Congratulations on continuing to fulfill your commitment to serve the needs of your
community's property owners and residents.
Enclosed is a summary of the ISO analysis of your fire suppression services. If you would like to know
how your community's classification could improve, or if you would like to learn about the potential
effect of proposed changes to your fire suppression delivery system, please call us at the phone number
listed below.
The PPC program is not intended to analyze all aspects of a comprehensive structure fire suppression
delivery system program. It is not for purposes of determining compliance with any state or local law,
nor is it for making recommendations about loss prevention or life safety.
If you have any questions about your classification, please let us know.
Sincerely,
Pu6Eic Protection (j)epartment
(856) 985-5600 Ext. 403
'(0) ~ @ ~ n 'Iff ~ IIl1
un LLv I I axJ6 IJ!j
j
l l~~k~Aj,~~~~~ ~~T
Jrs
Enc!.
cc: Chief Jamie D. Greer, Clearwater Fire & Rescue
Ms. Cynthia Goudeau, City Clerk, City of Clearwater
Mr. Andy Neff, Utilities Director, City of Clearwater
Mr. Steven Pratt, County Administrator, Pinellas County
THE ISO PUBLIC PROTECTION CLASSIFICATION (PPC) PROGRAM
ISO's PPC program evaluates communities according to a uniform set of criteria defined in the
Fire Suppression Rating Schedule (FSRS). This criteria incorporates nationally recognized
standards developed by the National Fire Protection Association and the American Water Works
Association.
Using the FSRS, ISO objectively reviews the fire suppression capabilities of a community and
assigns a Public Protection Classification - a number from 1 to 10. Class I represents exemplary
fire protection, and Class 10 indicates that the area's fire suppression program does not meet
minimum recognition criteria.
The FSRS allocates credit by evaluating the following three major features:
. Fire alarm and communication system. This review accounts for 10% of the total
classification which centers upon a community's facilities and support for handling and
dispatching fire alarms.
. Fire department. This review accounts for 50% of the total classification which focuses
upon items such as engine companies, ladder or service companies, distribution of fire
stations and fire companies, equipment carried on apparatus, pumping capacity, reserve
apparatus, department manning, and training.
. Water supply system. This review accounts for 40% of the total classification
highlighting the water supply a community uses for fire suppression, including hydrant
size, type, and installation, as well as the inspection frequency and condition of fire
hydrants.
When ISO develops a single classification for a community, all of the community's properties
receive that classification. In many communities, ISO develops a split classification (for
example, 5/9). Generally, the first class, (Class 5 in the example) applies to properties within a
defined distance (5-road miles in most states) of a fire station and within 1000 feet of a fire
hydrant. The second class (Class 9 in the example) applies to properties beyond 1000 feet of a
hydrant but within the defined distance of a fire station. ISO generally assigns Class 10 to
properties beyond the defined distance of a fire station.
Countrywide Public Protection Classification Summary
35.0%
30.0%
25.0%
20.0%
15.0%
10.0%
5.0%
0.0%
1
2
3
4
5
6
7
8
9
10
Classifications
Grading Sheet For: Clearwater OP A, FL
Pinellas County
Public Protection Class: 3
Surveyed: July, 2006
Feature
Credit
Assigned
Maximum
Credit
Receiving and Handling Fire Alarms
Fire Department
Water Supply
*Divergence
9.80%
36.75%
37.08%
-3.84%
10.00%
50.00%
40.00%
100.00%
Total Credit
79.79%
The Public Protection Class is based on the total percentage credit as follows:
Class
%
1
2
3
4
5
6
7
8
9
10
90.00 or more
80.00 to 89.99
70.00 to 79.99
60.00 to 69.99
50.00 to 59.99
40.00 to 49.99
30.00 to 39.99
20.00 to 29.99
10.00 to 19.99
o to 9.99
*Divergence is a reduction in credit to reflect a difference in the relative credits for Fire
Department and Water Supply.
The above classification has been developed for use in property insurance premium
calculations.
EXHIBIT 30
Edition 2: 5/01/2002
Copyright, ISO Properties, Inc., 2000
INSURANCE SERVICES OFFICE, INC.
CLASSIFICATION DETAILS
Graded Area: Clearwater OP A
County: Pinellas
Date Surveyed: July, 2006 Total Credit: 79.79 Class: 3
State: FL
Pop.: 28655
RECEIVING AND HANDLING FIRE ALARMS
This section of the Fire Suppression Rating Schedule reviews the facilities provided for the
general public to report fires, and for the operator on duty at the communication center to
dispatch fire department companies to the fires.
Credit
Actual Maximum
1. Credit for Telephone Service (Item 414)
This item reviews the facilities provided for the public
to report fires, including the listing of fire and business
numbers in the telephone directory.
1.90
2.00
2. Credit for Operators (Item 422)
This item reviews the number of operators on-duty
at the communication center to handle fire calls.
3.00
3.00
3. Credit for Dispatch Circuits (Item 432)
This item reviews the dispatch circuit facilities used to
transmit alarms to fire department members.
4.90
5.00
4. Total Credit for Receiving and Handling Fire Alarms:
9.80
10.00
Relative Classification for Receiving and Handling Fire Alarms:
1
CLASSIFICATION DETAILS
Edition 2: 5/01/2002
Copyright, ISO Properties, Inc., 2000
CLASSIFICATION DETAILS
Graded Area: Clearwater OP A
County: Pinellas
Date Surveyed: July, 2006 Total Credit: 79.79 Class: 3
State: FL
Pop.: 28655
FIRE DEPARTMENT
This section of the Fire Suppression Rating Schedule reviews the engine and ladder-service
companies, equipment carried, response to fIres, training and available fIre fIghters.
Credit
Actual Maximum
1. Credit for Engine Companies (Item 513)
This item reviews the number of engine companies and the
hose equipment carried.
9.90
10.00
2. Credit for Reserve Pumpers (Item 523)
This item reviews the number of reserve pumpers, their pump
capacity and the hose equipment carried on each.
0.99
1.00
3. Credit for Pump Capacity (Item 532)
This item reviews the total available pump capacity.
5.00
5.00
4. Credit for Ladder-Service Companies (Item 549)
This. item reviews the number of ladder and service
companies and the equipment carried.
3.26
5.00
5. Credit for Reserve Ladder-Service Companies (Item 553)
This item reviews the number of reserve ladder and
service trucks, and the equipment carried.
0.61
1.00
CLASSIFICATION DETAILS
Edition 2: 5/01/2002
Copyright, ISO Properties, Inc., 2000
CLASSIFICATION DETAILS
Graded Area: Clearwater OP A
County: Pinellas
Date Surveyed: July, 2006 Total Credit: 79.79 Class: 3
FIRE DEPARTMENT
( continued)
6. Credit for Distribution (Item 561)
This item reviews the percent of the built-upon area of the
city which has an adequately-equipped, responding first-due
engine company within 1.5 miles and an adequately-equipped,
responding ladder-service company within 2.5 miles.
7. Credit for Company Personnel (Item 571)
This item reviews the average number of equivalent
fire fighters and company officers on duty with
existing companies.
8. Credit for Training (Item 581)
This item reviews the training facilities and their use.
9. Total Credit for Fire Department:
Relative Classification for Fire Department
State: FL
Pop.: 28655
Credit
Actual Maximum
2.29
10.83
3.87
36.75 .
3
4.00
15.00+
9.00
50.00+
+ This indicates that credit for company personnel is open-ended, with no maximum
credit for this item.
CLASSIFICATION DETAILS
Edition 2: 5/01/2002
Copyright, ISO Properties, Inc., 2000
CLASSIFICATION DETAILS
Graded Area: Clearwater OP A
County: Pinellas
Date Surveyed: July, 2006 Total Credit: 79.79 Class: 3
WATER SUPPLY
State: FL
Pop.: 28655
This section of the Fire Suppression Rating Schedule reviews the water supply system that is
available for fire suppression in the city.
1. Credit for the Water System (Item 616)
This item reviews the supply works, the main capacity
and hydrant distribution.
2. Credit for Hydrants (Item 621)
This item reviews the type of hydrants, and method of
installation.
3. Credit for Inspection and Condition of Hydrants (Item 631)
This item reviews the frequency of inspections of hydrants
and their condition.
4. Total Credit for Water Supply:
Relative Classification for Water Supply:
CLASSIFICATION DETAILS
Edition 2: 5/01/2002
Credit
Actual Maximum
32.38
2.00
2.70
37.08
35.00
2.00
3.00
40.00
1
Copyright, ISO Properties, Inc., 2000
PUBLIC PROTECTION CLASSIFICATION
IMPROVEMENT STATEMENTS
FOR
Clearwater OP A
Pinellas County, FL
Prepared by
INSURANCE SERVICES OFFICE, INC.
4B Eves Drive, Suite 200, MarIton, NJ 08053
800444-4554 FAX 856 985-6491
The following statements are based upon the criteria contained in our Fire Suppression Rating
Schedule and upon conditions in Clearwater OPA, FL during July, 2006. They indicate the
performance needed to receive full credit for the specific item in the Schedule, and the quantity you
have provided. Partial improvement will result in receiving a partial increase in the credit. These
statements relate only to the fire insurance classification of your fire district. They are not for
property loss prevention or life safety purposes and no life safety or property loss prevention
recommendations are made.
RECEIVING AND HANDLING FIRE ALARMS
Credit For Telephone Service (Item 414).
Actual = 1.90%; Maximum = 2.00%
For maximum credit in the Schedule, both the number to report a fire and the fire department
business number should be listed under the name of the fire district in the white pages directory (or
government section of the white pages). Your fire number is not listed but your business number is
listed under the name of the fire district.
Credit For Dispatch Circuits (Item 432).
Actual = 4.90%; Maximum = 5.00%
For maximum credit in the Schedule, both alarm dispatch circuits should have an emergency power
supply in accordance with National Fire Protection Association Standard, 1221.
I~ROVEMENTSTATEMENT
Edition 2: 5/0112002
Copyright, ISO Properties, Inc., 2000
Total credit for Receiving and Handling Fire Alarms (Item 440)
Actual = 9.80%; Maximum = 10.00%
FIRE DEPARTMENT
Credit For Engine Companies (Item 513).
Actual = 9.90%; Maximum = 10.00%
For maximum credit in the Schedule, 6 engine companies are needed in your fire district.
These are calculated as follows:
3 for the Basic Fire Flow of 3000 gpm.
3 additional for the method of operation.
You have 6 engine companies in service.
These are calculated as follows:
100 percent for Engine 2776.
100 percent for Engine 2179.
100 percent for Engine 2610.
100 percent for Engine 2611.
98 percent for Engine 2170 because of insufficient equipment.
95 percent for Engine 2198 because of insufficient equipment.
Additionally Engine 2198 is lacking: an adequate hose testing program, an adequate pump testing
program.
Credit For Reserve Pumpers (Item 523).
Actual = 0.99%; Maximum = 1.00%
For maximum credit in the Schedule, 1 fully-equipped reserve pumper is needed. You have 1
reserve pumper.
This is calculated as follows:
1 OOpercent for Engine G2947.
91 percent for Engine G2946 because of insufficient equipment.
IMPROVEMENT STATEMENT
Edition 2: 5/01/2002
Copyright, ISO Properties, Inc., 2000
Credit For Ladder And Service Companies (Item 549).
Actual = 3.26%; Maximum = 5.00%
For maximum credit in the Schedule, 3 ladder companies are needed in your fire district.
These are calculated as follows:
3 ladder companies due to method of operation.
You have 3 ladder companies.
These are calculated as follows:
96 percent for Ladder 2452 because of insufficient equipment and insufficient aerial device testing.
89 percent for Ladder 2775 because of insufficient equipment.
* 9 percent for Engine-Ladder 2179 because of insufficient equipment, insufficient aerial device
testing and insufficient aerial device length.
*Limited to 50% credit maximum by Fire Suppression Rating Schedule due to dual operations.
The percentage shown has been adjusted to reflect this limitation.
Credit For Reserve Ladder And Service Companies (Item 553).
Actual = 0.61 %; Maximum = 1.00%
For maximum credit in the Schedule, 1 fully-equipped reserve ladder truck is needed.
You have 1 reserve ladder truck.
This is calculated as follows:
85 percent for Ladder G259 because of insufficient equipment, insufficient aerial device testing and
insufficient aerial device length.
Credit For Distribution (Item 561).
Actual = 2.29%; Maximum = 4.00%
For maximum credit in the Schedule, all sections of the fire district with hydrant protection should
be within 1 Yz miles of a fully-equipped engine company and 2 Yz miles of a fully-equipped ladder,
service, engine-ladder or engine-service company. The distance to be measured along all-weather
roads.
IMPROVEMENT STATEMENT
Edition 2: 5/0112002
Copyright, ISO Properties, Inc., 2000
Credit For Company Personnel (Item 571).
Actual = 10.83%; Maximum = 15.00%
An increase in the on-duty company personnel by one person will increase the fire department credit
by 0.28.
Credit For Training (Item 581).
Actual = 3.87%; Maximum = 9.00%
For maximum credit in the Schedule, the training program should be improved. You received 43
percent credit for the current training program and the use of facilities.
For maximum credit in the Schedule, pre-fire planning inspections of each commercial, industrial,
institutional and other similar-type building should be made twice a year by company members.
Records of the inspections should include complete and up-to-date notes and sketches.
For maximum credit in the Schedule, complete records should be kept of all training.
Total credit for Fire Department (Item 590)
Actual = 36.75%; Maximum = 50.00%
WATER SUPPLY
Credit For Supply System (Item 616).
Actual = 32.38%; Maximum = 35.00%
For maximum credit in the Schedule, the needed fire flows should be available at each location in
your fire district. Needed fire flows of2500 gpm and less should be available for 2 hours, 3000 and
3500 gpm for 3 hours and all others for 4 hours. See the attached table for an evaluation of fire
flow tests made at representative locations in your fire district.
All A WW A standard hydrants within 1000 feet of a building, measured as hose can be laid by
apparatus, are credited; 1000 gpm for hydrants within 300 feet; 670 gpm for 301 to 600 feet; and
250 gpm for 601 to 1000 feet. Credit is reduced when hydrants lack a pumper outlet, and is further
reduced when they have only a single 2 Yz-inch outlet.
IMPROVEMENT STATEMENT
Edition 2: 5/01/2002
Copyright, ISO Properties, Inc., 2000
Credit For Inspection and Condition of Hydrants (Item 631).
Actual = 2.70%; Maximum = 3.00%
For maximum credit in the Schedule, all hydrants should be inspected twice a year, the inspection
should include operation and a test at domestic pressure. Records should be kept of the inspections.
Hydrants should be conspicuous, well located for use by a pumper, and in good condition.
Total credit for Water Supply (Item 640)
Actual = 37.08%; Maximum = 40.00%
FIRE FLOW TESTS
Clearwater OP A, FL
Tests witnessed on July 17,2006
Limited
By
Hydrant
Spacing, gpm
Needed Limited Limited
Fire By by Distribution
F10wt Supply Mains (flow
gpm Works, gpm tests), gpm
2t 4500 4400
5 3500 2000
tNeeded fire flows exceeding 3500 gpm are not considered in Item 616 (CSS) Credit for
System Supply
Test
No.
IMPROVEMENT STATEMENT
Edition 2: 5/0l/2002
Copyright, ISO Properties, Inc., 2000
~ u
..5
df
u
.~ lE
0
"'
8
.~
U~ r:FJ
8
~~ CZl 1ii
~ 9
~< '"
=
~~ .....
>.
~< .0
"'t:l
a)
~Q "'
"'
a)
~~ ,€
~
:0
~~
~~ .....l
""'
r:FJE--i
~Z a)
~ !l
r:FJ
Q
~
~
~[i!
~foiI
~~
r..'"
01;;
~~
o[i!
~~
~~
::.:....
~g
foil'"
i5;j
ti~
S~
~~
S~
flE=:
ClS
~...
......
~~
foil
!-ol;;
~><
[i!;::
-<~
Cl...
Z'"
-<z
::is
z!::
~~
~8
E=:S
:5...
""foil
~~
u~
::.:Cl
2~
::.:::i
~~
tJ~
~~ ~
"'''' u
~~ 3
~-< ':;
~~ ~
o foil C c
8:i5 0 ~
~. ~ CIi .c
~~ 33m
foiIE=:.... .'tJ-gE
~ iiiu.cQ.
<Cl ;l!EuCl
Z 5:'u III ,g
~8 - ~
~~ :2mg'J!l
:f'!'I Slta;ll;
~~ O::"'~i:i
f'!'I.... u,Ec>-
~:a Sl~.2~
Iol~ o::~Zl:c
Cllol .....l!!ta
Iol" iiioQ.=
~~ '-GlQ.ta
... -< l:!"':J >
fl...l Gl~IIl:
...< EGlGl.c
f!l~ E.c.='tJ
... 0 0'" II.. ell
foiIr..~(),!!!Gl;!:!
5~~1I'tJ.s.~
~~~E.gg>..
~~~~I'~f
\0
o
o
N
r-:
.....
;>,
:3
......
<< e
<< g
<<
~ 0
0
0
~
~ A
~
.... .J 0 0 0 0 0 0 0 0 0 0
r,) ....
Q., ~ 0 0 0 0 0 0 0 0 0 0
= 0 """ """ ..... 0 \0 r-- .,... 0\ ("\
.... """ """ """ .,... ("\ """ N ("\ N """
Eo<
~ Q
~ '-1 0 0 0 0 0 0 0 0 0 0
0 Q << 0 0 0 0 .,... 0 0 .,... 0 0
..:l '-1 << 0 .,... 0 .,... r-- .,... .,... r-- 0 0
~ '-1 ("\ """ ("\ ..... ..... ("\ ..... ..... .- ("\
z
Ei 0 .,... 0\ ..... r-- 0 """ r--
~.... r,) .,... 00
'-1 .,... .,... .,... """ .,... .,... .,... .,... .,... """
Cl:
r,)r,)
r,)Q.,
~ U
....
~ ~ N .,... .,... 00 r-- r-- r-- 0\ .,... 00
Eo< \0 \0 \0 .,... .,... r-- .,... .,... \0 .,...
r,)
--
..:l
< 0 0 0 0 0 0 0 0 0 0
Eo< N r-- r-- N ("\ 0\ 0 """ """ r--
0 0 0\ 0\ ("\ ..... .,... .- .- ..... 0
Eo< N ..... ..... N ..... N .- .- ..... N
~.f
Q., 'Co
~~
'U ~r,)
~;;;
o ~ ;:>Eo< 0 0
..:l N SZ ..... 0\
~6 ~~ 0 \0
..... .....
~~
0 0 0 0 0 0 0 0 0 0
..... r-- r-- ("\ 0\ 0 """ """ r--
0 0\ 0\ ("\ ..... .,... ..... ..... ..... 0
..... ..... ..... \0 ..... N ..... ..... .- N
'-1 .. .. ~ .. .. 8 8 8 8 ..
a) a) ~ ~ a)
u 'id 'id 'id 'id
.... ~ ~ ~ ~ ~ ~ ~ ~ ~ ~
>
Cl: 1<1 o:l o:l o:l o:l
'-1 a) a) .S:! a) a) I:: I:: I:: I:: a)
r,) 0 0 U 0 0 i:i: i:i: i:i: i:i: 0
-d
;> v
@ < ...:
a) 0 ~
(;j "l:l
-g ...: c5 ~ ...: ~ a) ~
0 (;j
a 0 "l:l ~ ~ ...:
~ ~ 5 ;:: ....
~ OIl ~ S 0
Z ;::l Q Q ....... '" ;::l
0 r:FJ :.a :.a v ~ S ~ C,) ~ g
....... OIl OIl ..c:: .......
1= v 3 Q < ~ u
;::l C,) '" ;::l 0\ ~
Cj ;> ell ell 0 ell ..... ~
<( OIl ~ C,) ~
9 ~ ~ II) i v
'" :3 ... "l:l ~ ...: ~
II) ... ... 0 00 0
t;; :3 0 ell
ell ell .... .,... i
0 ~ 0 ..... r-- Q ~
'-1 .. ~ ~ t:
Eo< II) 0 N r-- 0
::r: S S II) ..... ... = a
i s ..... II) N .i3
i ;::l ;::l (;j e ("\ ~
(;j (;j ("\ 0 0 ell
0 C,) C,) N ~ ~ 0 ("\
N ..... 0 0
.,... ..... ~
00 ~
..... 0
0 ~
~ .....
.....
'-1 <<. ~ s s s ~ s ~ ~ OIl ~
Q.,Eo< S S S e ~
~s 0 0 0 0 0 0 0 0 0
C,) C,) C,) C,) C,) C,) C,) C,) C,)
Eo< ,
r,)o ..... N o:l ("\ """ .,... \0 r-- 00 0\
~z N
~
'id
Cl
<(
i:l...
o
....
a)
~~
Oii:
.0.0
o S
o
u
C
Gl
.c
~
~
'13
Gl
.c
...
...
o
c
o
;l
ftl
U
l;::
'iij
m
ftl
U
Gl
.c
...
Cl
c
'2
'E
~
'C
,5
'C
l!!
Gl
'C
'iij
C
o
u
....
o
c
l!!
ftl
E
Q.
Cl
o
o
on
M
c
ftl
.c
....
...
oS
ftl
l!!
Cl
~
o
u::
l!!
u:
'tJ
Gl
'C
3l
z
o
o
o
N
<5
.s
<I,
"
'f!
"
Q.
e
t:l.
o
:!3
.J:
00
';::
>-
Q.
o
U
c
o
;l
'6
c
o
u
N
~
~
V')
N
c:
.g
'i3
""