In NYS the ratings are broken down as shown. NRFD is PPC #2
The Insurance Service Office (ISO) Public Protection Classification (PPC) is an objective review of those features of available public fire protection that have significant influence on minimizing damage once a fire has occurred.
All 34,000 Fire Departments in the U.S. are rated by the ISO. They rate on a 1–10 scale with 1 the best and 10 is no fire department. This rating is the primary factor in setting fire insurance premiums.
In NYS the ratings are broken down as listed above:
Fire Protection is the ONLY municipal service where improved capability can result in savings to taxpayers through reduced property insurance premiums. Improvements in PPC help in economic development. It is an indicator of a community’s commitment to the Fire Department.
In 1997 New Rochelle improved from a PPC Class 3 (which it held for 70 years) to a PPC Class 2.