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  • Writer's pictureBill Raines

Monroe County Fire Protection District Reduces Fire Protection Rating

MONROE COUNTY - (March 18, 2022) -On October 25, 2021 the Monroe Fire Protection District received notice from the Insurance Service Office (ISO) that our Public Protection Classification (PPC) has been updated.

In this new update the Monroe Fire Protection District has been recognized for its water shuttle capabilities, eliminating the split classification from previous ISO ratings.

(Monroe Fire Protection District responds to a mobile home fire early this week)

“The new ISO ratings reflect years of effort by District staff to provide the highest level of

service to District residents,” MFD Board Vice Chair Mark Kruzan said. “Chief Dillard and his

team are completely committed not only to public safety but also to giving taxpayers the

best bang for their buck."

In the past, a split class was assigned to a community that has areas that are not within

five miles of a fire station and a hydrant within 1,000 feet. For example, previously the

District was a split classification of 4/Y meaning any property that was within five miles of a

fire station, but not within 1,000 feet of a hydrant was an ISO 9 classification.

A 9 is the second lowest classification just ahead of a 10 that occurs when there is no fire service within five miles. A local insurance agent stated that “under the split classification in 2016 insurance premiums saw a raise of several hundred dollars just because they weren’t within 1,000 ft of a fire hydrant.” Even an ISO classification of 1/Y means that a property served by an ISO Class 1 fire department but is not within 1,000 feet of a hydrant would be

considered an ISO classification of 9.

(Tankers stand-by at a fire on Ketcham Road Wednesday night)

What makes the water supply credit important is that it removes the split classification.

Meaning, every property within five miles of a responding fire station is now an ISO

classification of 4 no matter if they are within 1,000 feet of a fire hydrant or not. ISO

classifies a responding fire station as the nearest fire station that is automatically

dispatched to that property.

This could be a Monroe Fire Protection District fire station or a fire station from any fire department that has an automatic mutual aid agreement with the District. This is important because the insurance industry in Indiana seems to level out their best premiums at an ISO classification of 5.

Proud sponsor of the Lawrence County Zephyr

The District’s new ISO rating went into effect on February 1, 2022. What this means for

residents, or businesses, is those within five road miles of a responding fire station could

see a decrease in their insurance rates.

Proud sponsor of the Lawrence County Zephyr

“This new ISO rating could allow homeowners to see a decrease in their yearly premium by several hundred dollars,” said a local insurance agent. They also advised “not all insurance companies use the ISO rating system, so they encourage homeowners to contact their local insurance agent and see if the new rating benefits them.”

Monroe Fire Protection District

As of January 1, 2022, Benton, Bloomington, Clear Creek, Indian Creek, Perry, Van Buren

and Washington townships are officially in the Monroe Fire Protection District. Polk and Salt

Creek townships contract with the District. Maps illustrating five road miles from each

Monroe Fire Protection District fire station are located at


For more information, please call our office at 812-331-1906 or contact us at


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