The Insurance Services Office has reaffirmed its Public Protection Classification Rating of North Shore Fire Department as a Class Two in the areas of the seven communities served that are protected by fire hydrants.
ISO is an independent grading organization that provides evaluation of fire protection in communities across the United States. Rating data gathered by ISO is utilized by the insurance, finance and real estate marketplace for statistical, actuarial, claims and loss control determinations. In general, according to ISO, fire insurance rates for property owners are substantially lower in communities with a better rating than in communities with a poor rating.
ISO's rating scale ranges from a one to a 10, with a Class One being the best rating possible. No fire department in Wisconsin is rated as a Class One and only 21 of the nearly 1,700 fire departments rated in the state were graded as Class Two. Even more impressive, only 592 of the more than 48,000 fire departments in the United States are rated as a Class Two and only 61 hold the rating of Class One.
The benefit of the partnerships between the NSFD, elected and appointed officials, the North Shore Public Safety Communications Commission and the local water utilities serving the communities protected by NSFD is clearly demonstrated with the reaffirmation of the department's Class Two rating.
Statistical data shows that the cost of fire insurance claims per $1,000 of insured property is reflective of a communities' Public Protection Classification Rating, clearly demonstrating that communities with better ratings experience lower fire insurance rates and fire insurance claims per $1,000 of insured property.
NSFD was created through an intergovernmental cooperative agreement of seven North Shore communities in 1995. Prior to the consolidation of the seven fire departments in 1995, each community served by NSFD maintained its own fire department. The best ISO rating in any of those seven communities' was a Class Four.
The consolidation of the seven fire departments has provided coordination of resources and operations that has allowed the department to enhance its rating and services provided in addition to assisting member communities in containing costs for provision of life safety services.
Parts of Bayside and all of Brown Deer, Glendale, Fox Point, Shorewood and Whitefish Bay have hydrants. River Hills does not have hydrants.
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