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Ramsey, Nowthen, St. Francis, Oak Grove, and Bethel, Minnesota <br />Feasibility Study for Shared or Cooperative Fire and Emergency Services <br />Based on the travel model, the following figure illustrates potential coverage from existing station <br />locations. <br />Figure 51: Service Demand Coverage by Travel Time <br />4 Minutes <br />8 Minutes 12 Minutes <br />Bethel <br />Oak Grove <br />Ramsey/Nowthen <br />St. Francis <br />100 % <br />50.2 % <br />70.5 % <br />84.9 % <br />100 % <br />85.8 % <br />98.2 % <br />95.6 % <br />100 % <br />97.3 % <br />100 % <br />99.5 % <br />The Insurance Services Office (ISO) reviews the fire protection resources within communities and <br />provides a Public Protection ClassificationTM (PPC) rating system from which insurance rates are often <br />based. The rating system evaluates three primary areas: the emergency communication and dispatch <br />system, the fire department, and the community's pressurized hydrant or tanker -based water supply. <br />The overall rating is then expressed as a number between 1 anc 10, with 1 being the highest level of <br />protection and 1❑ being unprotected or nearly so. It is also important to note that, according to the <br />Insurance Services Office website information on the PPCTM minimum criteria, "the ISO generally assigns <br />Class 10 to properties beyond five road miles" from a fire station.' <br />A community's PPC" can affect decisions insurers make regarding the availability and price of property <br />insurance. Many insurance companies make at least some use of the classification to price their policies, <br />determine what types of coverage to offer, or to determine deductibles for individual homes and <br />businesses. Regardless of the community's classification, individual insurance companies establish their <br />premiums, not the Insurance Services Office. The particular system that any given company uses when <br />calculating premiums for property insurance may be affected by that company's fire -loss experience, <br />underwriting guidelines, and marketing strategy. This makes it extremely difficult to generalize how any <br />improvement or decline in the PPCTM rating will affect specific insurance policies or premiums. <br />The following figure shows how insurance premiums might vary for two typical structures under a <br />coupte of insurance companies' current rating schedules. While these figures are reasonable examples <br />of the impact the PPC" can make on insurance premiums, the value of the premium credits for the <br />5 <br />nformation obtained from the Insurance Services Office website, www,isomitigation.cvm. <br />page 56 <br />mccgcnry Seniecs Ca u n <br />