YOUNGSVILLE FIRE DEPARTMENT, N.C.
  • HOME
  • Volunteer at YFD
  • Insurance Rating
  • Employment
  • Board of Directors
  • YFD - CERT Team
  • About YFD
    • About YFD
    • YFD Annual Reports
    • 2021 News
    • 2020 News
    • 2019 News
    • 2018 News
    • 2017 News
    • 2016 News
    • Apparatus
    • Stations
    • Training
    • Vol. Duty Crew Program
    • Volunteer at YFD
  • History
  • Community Resources
  • Members (Login)
  • Child Safety Seats

Youngsville F.D.
ISO "CLass 4" - Insurance Rating

Picture
The Youngsville Volunteer Fire Department and its members work very hard to provide the absolute best service to our citizens . 

We, as a organization and a community, proudly possess a  Class 4  ISO Public Protection Classification (PPC) rating from the N.C. Department of Insurance, Office of State Fire Marshal.

YFD's Insurance District Map: HERE


What does this "rating" really mean?  
  • The Youngsville F.D.'s insurance district is formally titled: "Western Franklin Fire Insurance District."
  • All property that is within 5 road miles of a Youngsville Fire Station or within the Youngsville F.D.'s insurance district will benefit from this lower rating (town and rural, hydrant and non-hydrant areas). 
  • If property is between 5 and 6 miles, and not within 5 miles of any neighboring fire station, a Class 9 rating is applied.  Any property outside of 6 miles and not within 5 or 6 miles of another county fire station is considered as Class 10.
  • Fire department insurance ratings are listed as Class 1 (best) to Class 10 (lowest, unrated).
  • The majority of rural fire departments in N.C. possess a rating of Class 9S (state minimum) up to a Class 5.  Many municipal fire department in N.C. possess a rating from Class 2 to Class 4, with a few possessing a Class 1.
  • Bottom line...  A fire department with a lower insurance rating represents significant savings in fire insurance for residents and businesses.  When comparing a Class 4 rating (Youngsville F.D.) to a Class 10 (unrated), it is a savings of approximately 45% .

Our efforts actually save our citizens money on their Fire Insurance costs!
Below are the savings comparisons - a Class 4 as compared to a :
  • Class 10...  approx. 45%
  • Class 9S...  approx. 32%
  • Class 8...     approx. 26%
  • Class 7...     approx. 18%
  • Class 6...     same
     *Note: Class 6 to Class 1 offer same savings for residential insurance.  Commercial occupancy rates are improved if rating is a "5" or less.











An overview of the ISO Public Protection Classification (PPC) process may be viewed HERE

The N.C. Department of Insurance, Office of State Fire Marshal's "Ratings and Inspections Division"  may be contacted at: 919-647-0000 (local) or 800-634-7854 (toll free).  Their website is HERE

Proudly powered by Weebly
  • HOME
  • Volunteer at YFD
  • Insurance Rating
  • Employment
  • Board of Directors
  • YFD - CERT Team
  • About YFD
    • About YFD
    • YFD Annual Reports
    • 2021 News
    • 2020 News
    • 2019 News
    • 2018 News
    • 2017 News
    • 2016 News
    • Apparatus
    • Stations
    • Training
    • Vol. Duty Crew Program
    • Volunteer at YFD
  • History
  • Community Resources
  • Members (Login)
  • Child Safety Seats