Business & Home

The insurance industry’s Fire Insurance Rating Schedule (FIRS) determines rates for fire insurance for both business and residential structures in a community. The FIRS evaluates the fire department (apparatus, training, maintenance, pre-planning records, and response history), the community water supply system for fire protection, and the alerting and dispatching system (911 Center). The schedule is based on a 1-10 scale with a 1 being the highest or best rating and a 10 meaning little or no fire protection available.

Our current ISO rating is a 4.  The last review that South Hutchinson completed was in 2021.

Our goal is to maintain our ISO Rating through the regular review process. Although each insurance carrier can apply the ISO Rating differently, we feel we are doing all we can to help reduce fire insurance rates for our citizens and businesses in South Hutchinson.

Fire Pre-Planning

The department is currently in the process of creating pre-fire response plans for every business in the community that enables our firefighters to get a quick look at location entry doors, fire protection systems, utility shutoffs, interior arrangement, and other hazards to safely and effectively extinguish fires and control other hazards in your business. Emergency contact information for your business is a critical component of our pre-planning system. Complete and up to date pre-plans can have a positive impact on the fire insurance rating for the community as well.