The Impact of Improved Public Protection Classification Ratings on Homeowners Insurance Rates in Richland County

Size: px
Start display at page:

Download "The Impact of Improved Public Protection Classification Ratings on Homeowners Insurance Rates in Richland County"

Transcription

1 The Impact of Improved Public Protection Classification Ratings on Homeowners Insurance Rates in Richland County

2 The Impact of Improved Public Protection Classification Ratings on Homeowners Insurance Rates in Richland County January 2007 Prepared by: Anna Berger Senior Research Associate Bill Tomes Senior Research Associate Mark Bondo Research Associate University of South Carolina Institute for Public Service and Policy Research The authors wish to acknowledge the following parties for contributing information and assistance for this analysis: Columbia-Richland Unified Fire Service Richland County s Department of Information Technology City of Columbia s Department of Information Technology Insurance Agents and Actuaries The South Carolina Department of Insurance Federal Emergency Management Agency s National Emergency Training Center Christine Eggers, IPSPR Graduate Assistant

3 Table of Contents Purpose of Study... 1 Background... 1 Factors Considered for PPC Ratings... 2 Insurance Industry Considerations... 2 Historical Perspective... 2 Factors Contributing to Improved PPC Rates... 4 PPC Rate Changes in Richland County... 5 Methodology... 6 Impact Analysis of PPC Rates Changes... 7 Conclusion Appendices... 13

4 Purpose of Study The Institute for Public Service and Policy Research (IPSPR) at the University of South Carolina was asked to assist the Columbia-Richland Fire Service (CRFS) and Richland County in evaluating the effects of changes in Public Protection Classification (PPC) ratings on property and casualty insurance rates. The evaluation of old PPC ratings and insurance costs, and an estimate of insurance savings resulting from new PPC ratings have been included in this analysis for residential and non-residential properties. Background A community s PPC rating is a key factor that affects the cost of homeowner s insurance and the cost of operating fire departments, particularly those trying to accomplish lower PPC ratings. PPC ratings are issued by the Insurance Services Office, Incorporated (ISO). The company provides services pertaining to risk analysis. Many different entities use ISO s products to help mitigate and assess risk, including the insurance industry. One of the services that ISO provides is the PPC, which measures community fire protection. Communities or fire districts receive a rating from one to ten based on this system, with one representing the highest quality fire protection and ten representing a system that does not meet ISO s minimum criteria. It is a common misconception to refer to an area s ISO Rating when talking about fire protection. In actuality, the area receives a PPC rating performed by ISO. Also, a PPC rating does not reflect the risk of property owners having fires; rather, it indicates the quality of fire protection in an area. The following chart summarizes PPC ratings across the country and throughout South Carolina, prior to Richland County receiving its new ratings. There are relatively few departments that have achieved a rating lower than four. Percentage Distribution of Communities by PPC Class 35.00% 30.00% 25.00% 20.00% 15.00% SC US 10.00% 5.00% 0.00% B 9 10 PPC Class Source: Insurance Services Office, Incorporated website 1

5 On what factors are PPC Ratings Based? PPC ratings are based primarily on three areas: receiving and handling alarms, fire department personnel and equipment, and water supply. These factors comprise the ISO s Fire Suppression Rating Schedule. Different weights are applied to each area. The effectiveness of alarm response comprises 10% of a community s rating. The personnel and equipment of the fire department contribute to 50% of a community s rating, while the community s water supply system comprises 40% of a rating. Within each of these areas, different sub-categories are weighted as well 1. (See Appendix A). The overall PPC rating reflects the total capability of the department to respond to, and meet, the fire protection demands of the community. When conducting a PPC rating study, ISO inspectors have site visits in the community being rated. Once ISO inspectors complete their field surveys and grading, the results are reviewed and formally approved by ISO s home office staff in New Jersey. Once the PPC rates are official, communities are notified of the results approximately 30 days before publication. Publication refers to the release of ISO s updated PPC rating to the public and insurance community. Individual insurers have the option to accept the ISO classification 2. Insurance Industry Considerations PPC ratings are one of the many factors that affect insurance premiums. Age of the structure, construction material, and loss history in a particular area also affect the base rate. Factors such as property value, deductible amount, multiple policies, security systems, and credit ratings affect an individual s rates. Although some companies in some states have elected not to use PPC ratings as part of their premium calculations, in South Carolina it is still a major factor in setting property and casualty insurance rates. Historical Perspective of Fire Protection in Richland County Prior to 1989, Richland County provided the City of Columbia with funds to operate three stations in the unincorporated area(s) of Richland County: Sandhill, Lower Richland and Ballentine. The remainder of the County was serviced by independent volunteer fire departments and a special purpose district. Since 1990, Richland County has made a major commitment to improve the fire service it provides to the citizens. The County has developed and employed a continuing strategy so that a better public protection classification rating may be achieved. In 1990, Richland County Council established a countywide fire district creating a specific funding source for fire service in the County to improve fire service and accountability for expenditure of funds. Richland County Council also established the Richland County Fire Marshal s office to plan and oversee fire service in Richland County. The Richland County Fire Marshal s Office manages strategic planning and budgeting, capital improvements, code enforcement, cause and origin investigations, hazardous material site inspections and permitting. 1 Fire Suppression Rating Schedule. Jersey City, NJ: ISO Properties, Inc. (2003) Insurance Services Office. Virginia Department of Fire Programs Quarterly. (July September 2001) 20 2

6 The County Council entered into a fire service agreement with the City of Columbia Fire Department (CFD), creating the Columbia-Richland Fire Service (CRFS) to provide fire suppression services throughout the County with a seamless response system. Over the sixteen years of the contract period, there has been a significant population growth in Richland County, resulting in a subsequent growth in the fire service. Both the County and the City of Columbia have made considerable investments in stations, equipment, and personnel during this time to address the increase in service demand throughout the County. The City of Columbia has relocated four city stations. The County has invested over twenty million dollars to improve resources. This includes adding new stations, more than 130 career firefighters, and improving water points and equipment. Please see Appendix B for a detailed list of stations and other operational improvements made by Richland County. These additions have increased total resources to approximately 400 career and 100 volunteer personnel operating from 29 fire stations throughout the County. The CRFS now serves a population of approximately 325,000 in 660 square miles. The previous year s budget was $29 million, with $17 million in City funding and $12 million in funding from the County. As a result of these investments, the CRFS believed the citizens were receiving a higher level of fire protection service than the PPC ratings reflected. In 2005, the CRFS requested that ISO conduct a new rating study of the fire service in the County. The areas included in the ISO study included the municipalities of Arcadia Lakes, Blythewood, Eastover, Forest Acres and the unincorporated areas of Richland County. The City of Columbia, Fort Jackson, and McEntire Air National Guard Base were not included in the study. The original PPC ratings for Richland County were based on eleven fire district areas. (See Appendix C). Within each of these districts, the ratings were heavily influenced by a structure s distance from a fire station and a fire hydrant. This caused split ratings in several of the areas. Split class ratings generally occur when there are various amounts of water availability in the area 3. The following image depicts the County s PPC ratings prior to the recent ISO study. 3 Charles Ganglugg. Report of Rural Fire Protection. Roland, AR: Rural Fire Protection Program (August 2000). 3 3

7 Contributing Factors for Improved PPC Ratings The traditional sources of water for fire departments are fire hydrants and pumper trucks. Prior to the recent ISO study, one of the reasons for the higher ratings in parts of Richland County was many structures were located beyond 1,000 feet from a hydrant. Realizing the limitations of the water infrastructure in some of the rural areas, the CRFS decided to focus on other methods to meet ISO s water supply requirements. ISO considers the ability of the water supply system to deliver the needed fire flow at sample locations throughout the area as part of the water supply 4

8 system requirements 4. The CRFS chose to employ a water shuttle system similar to ones being used in other communities to meet these requirements. A water shuttle uses predetermined water points such as dry hydrants. A dry hydrant is a static water source that is pre-piped to draw water from locations such as ponds and lakes to fill tanker trucks. Richland County s Public Works Department and Emergency Services Department worked with the CRFS in identifying and constructing dry hydrant locations. The CRFS personnel went through six to eight hours of formal training on this system. Additionally, the CRFS did the following: Conducted a central inventory of equipment and apparatus and redistributed resources to ensure all stations maximized points ISO assigns for equipment requirements. Typically ISO looks at the staffing levels at each fire station to determine personnel strength. The CRFS, however, uses a consolidated approach to fighting fires where personnel from various stations respond to calls. The CRFS provided information to ISO documenting their approach, which ISO accepted. Entered into a mutual aid agreement with the Fort Motte Fire Department in Calhoun County to serve a remote area of southeastern Richland County. All the actions described above took place during However, County and City of Columbia resources have enabled the CRFS to operate from new stations, hire additional personnel, and purchase additional equipment to meet the growth and increasing service demands since See Appendix A for the overall results of the ISO study. PPC Rate Changes in Richland County The efforts of the CRFS and Richland County were successful in achieving improved PPC ratings. The new ratings are no longer based on county fire districts, but now are based on jurisdictional areas. A rule change within ISO dictated separate evaluations of the incorporated areas. The areas included in the ISO study were: Arcadia Lakes, Blythewood, Eastover, Forest Acres, and the unincorporated area of the County. Due to the efforts to provide greater water supply, all of the unincorporated areas of the County have received a single PPC rating of four, with the exception of the two remote areas that are not within five road-miles of a fire station. These two areas will maintain a rating of ten. The St. Andrews area of Richland County has retained a PPC rating of four, and therefore is not included in this analysis. The new PPC ratings for the municipalities of Arcadia Lakes, Blythewood, Eastover, and Forest Acres are as follows: Arcadia Lakes - 1 Blythewood 4 Eastover 4 Forest Acres 2 4 Fire

9 The unincorporated PPC ratings were effective on December 1, The ratings for the municipalities are effective on April 1, The following image displays the new PPC ratings for the County. Methodology Prior to designing a methodology for this analysis, the IPSPR conducted research to determine if any studies had been conducted on the effects of PPC rate changes on insurance rates in other states. The research effort uncovered related studies in Arkansas, Minnesota and several other states. The 6

10 Arkansas study focused on the effect of PPC rate changes for the average rural home value across the state 5. The League of Minnesota Cities report provided an overview of PPC ratings and gave examples of how insurance premiums could be affected when PPC ratings change 6. A Fire-Rescue Magazine article from January 1998 reported general insurance savings as a result of a rating reclassification in Churchill/Fallon, Nevada 7. The following month s issue of Fire-Rescue Magazine noted insurance savings in a rural department in Colorado and the City of Atlanta 8. Although these studies offered some information on insurance savings as a result of PPC rate changes, none presented the detailed analysis requested by the CRFS. In many of these reports, only one home value and one construction type were used to illustrate insurance savings. One of the challenges in this analysis in calculating the savings homeowners realize as a result of improved PPC ratings is the complexity of the variables present in Richland County. There were multiple jurisdictions within the County, split ratings within these areas, and a wide range of home values. In order to address these variables and to provide citizens in all areas of the County a valid estimate of any insurance premium savings they may realize, the IPSPR developed a methodology using Richland County s and the City of Columbia s GIS technology to identify all of the residential properties in each of the PPC rating areas. Once these properties were identified, original PPC ratings were assigned to the properties in order to calculate baseline insurance rates for a sample of residential properties within each rating area. Please see Appendix D for a detailed explanation of the GIS application used in this methodology. This GIS application of the property assessment data, fire district data, and fire hydrant data enabled IPSPR to assign the old PPC rating for every residential property in the County. Once the PPC ratings were assigned, IPSPR determined the 25 th percentile, median, and 75 th percentile of recorded residential building values in each of the jurisdictional areas. IPSPR staff worked with the South Carolina Department of Insurance to identify the insurance companies writing most of the residential and commercial property and casualty insurance policies in Richland County. IPSPR staff contacted representatives from each of these companies to identify a point person to assist in providing premium information for each of the residential values using the original and new PPC ratings 9. To ensure comparable insurance rates, IPSPR staff asked the insurance companies to make the following assumptions: No discounts for multiple policies or security alarms. A deductible of $500. This is the typical deductible found in residential policies. Using a random sample of residential properties in each jurisdictional area, IPSPR identified the two most common construction types in the County, brick veneer and vinyl siding, and asked the companies to provide rates for each. Since insurance premiums also are dependent upon the age 5 Ganglugg, Report of Rural Fire Protection 4 6 League of Minnesota Cities. LMCIT Risk Management Information. The ISO Fire Protection Rating System. St. Paul (undated) 3 7 Larry Stevens. A Tale of Two Ratings, Part One. Fire-Rescue Magazine. (January 1998) 60 8 Larry Stevens. A Tale of Two Ratings, Part Two. Fire-Rescue Magazine. (February 1998) 59 9 The following insurance companies provided information for this study: Allstate, Auto-Owners, Farm Bureau, Nationwide, and State Farm. Nationwide and State Farm did not submit data on unincorporated areas of Richland County. Those rates were estimated using Richland County municipality rates they did submit. 7

11 of the home, IPSPR calculated the average age of structures around the 25 th percentile, median, and 75 th percentile of recorded residential building values from the random sample. Impact Analysis of PPC Rate Changes in Richland County The following data are displayed in separate tables for each of the original rating areas of the County. These areas have been defined by the original PPC ratings that were based on fire districts. The home values represented are for the 25 th, median, and 75 th percentile. The results presented below are projected savings based on the average insurance premiums of the companies that provided information for this study. An individual homeowner s premium may vary significantly from the averages reported below. The insurance company writing the policy, choice of deductible, claims history, credit rating, discounts applied to the policy, home construction material, age of the home, and optional coverage riders all affect cost of the policy. Since the PPC ratings have less effect on property and casualty insurance rates for manufactured or mobile homes, the results of this analysis do not apply to those structures. The PPC ratings will have an effect on policy holders who have renter s insurance or own condominiums, but those rates were not analyzed in this study. Unincorporated Areas Area with Original PPC Rating 9: Northern areas of the County including Cedar Creek, Killian, Bear Creek, Ballentine, and the unincorporated areas around Blythewood; southern areas of the County including Gadsden, Hopkins, Lower Richland, and the unincorporated areas around Eastover Home Value Average Premium Brick Veneer Average Premium Vinyl Siding % Change- Brick Veneer Old Rating - 9 New Rating - 4 Old Rating - 9 New Rating - 4 $38,975* $647 $414 $768 $471 36% 39% $85,600 $898 $564 $1,075 $645 37% 40% $139,600 $1,215 $727 $1,448 $828 40% 43% *Note Several insurance companies base their rates on a minimum property value of $50,000. % Change- Vinyl Siding The reductions in insurance premiums in the areas with an original PPC rating of nine range from 8% to 49% for brick homes and 11% to 53% for homes with vinyl siding, depending on the insurance company. Some of the districts in this area had 6/9 PPC ratings. The reason for the large variance in the reductions above is that two insurance companies have been using a PPC rating of six for all residential properties in these areas, regardless of a property s distance from a fire hydrant. This has lessened the potential impact of the change in PPC ratings. Insurance savings to homeowners in these areas will vary greatly, depending on the insurance company. 8

12 Area with Original PPC Rating 7: Areas adjacent to McEntire Airbase and those west of Hopkins, south of Leesburg Road, west of Eastover, and north of Gadsden that are within 1,000 feet of a fire hydrant Home Value Average Premium Brick Veneer Average Premium Vinyl Siding % Change- Brick Veneer Old Rating - 7 New Rating - 4 Old Rating - 7 New Rating - 4 $69,200 $576 $502 $663 $573 13% 13% $101,800 $709 $603 $798 $688 15% 14% $135,300 $833 $710 $942 $812 15% 14% % Change- Vinyl Siding Area with Original PPC Rating 6: Northern areas of the County including Killian, Bear Creek, Ballentine, and the unincorporated areas around Blythewood; southern areas of the County including Lower Richland, and the unincorporated areas around Eastover that are within 1,000 feet of a fire hydrant Home Value Average Premium Brick Veneer Average Premium Vinyl Siding % Change- Brick Veneer Old Rating - 6 New Rating - 4 Old Rating - 6 New Rating - 4 $74,000 $591 $527 $670 $601 11% 10% $101,900 $678 $597 $766 $684 12% 11% $148,600 $866 $768 $977 $873 11% 11% % Change- Vinyl Siding Area with Original PPC Rating 5: Areas adjacent to the Columbia city limits, including Olympia, Industrial Park, Atlas Road, Capitol View, Two Notch Road Corridor, and the area south of Fort Jackson Home Value Average Premium Brick Veneer Average Premium Vinyl Siding % Change- Brick Veneer Old Rating - 5 New Rating - 4 Old Rating - 5 New Rating - 4 $47,300* $442 $431 $500 $492 2% 2% $66,800 $483 $472 $544 $533 2% 2% $94,000 $563 $550 $637 $627 2% 2% *Note Several insurance companies base their rates on a minimum property value of $50,000. Municipalities Arcadia Lakes Home Value Average Premium Brick Veneer Average Premium Vinyl Siding % Change- Brick Veneer Old Rating - 5 New Rating - 1 Old Rating - 5 New Rating - 1 $98,600 $575 $547 $650 $623 5% 4% $143,200 $757 $718 $853 $821 5% 4% $197,300 $1,004 $954 $1,138 $1,090 5% 4% % Change- Vinyl Siding % Change- Vinyl Siding 9

13 Blythewood Original PPC Rating 6 Home Value Average Premium Brick Veneer Average Premium Vinyl Siding % Change- Brick Veneer Old Rating - 6 New Rating - 4 Old Rating - 6 New Rating - 4 $151,900 $741 $661 $842 $754 11% 11% $210,500 $970 $865 $1,103 $988 11% 11% $256,200 $1,150 $1,025 $1,308 $1,171 11% 11% % Change- Vinyl Siding Blythewood Original PPC Rating 9 Home Value Average Premium Brick Veneer Average Premium Vinyl Siding % Change- Brick Veneer % Change- Vinyl Siding Old Rating - 9 New Rating - 4 Old Rating - 9 New Rating - 4 $96,600 $798 $540 $953 $615 32% 35% $134,400 $997 $673 $1,191 $767 32% 36% $191,100 $1,380 $929 $1,648 $1,059 33% 36% The Town of Blythewood had 6/9 PPC rating. The reason for the large variance in the reductions above is that two insurance companies have been using a PPC rating of six for all residential properties in these areas, regardless of a property s distance from a fire hydrant. This has lessened the potential impact of the change in PPC ratings. Eastover Home Value Average Premium Brick Veneer Average Premium Vinyl Siding % Change- Brick Veneer % Change- Vinyl Siding Old Rating - 9 New Rating - 4 Old Rating - 9 New Rating - 4 $36,300* $491 $264 $612 $298 46% 51% $46,100* $603 $324 $754 $368 46% 51% *Note Several insurance companies base their rates on a minimum property value of $50,000. Only the median and 75 th percentile properties are used in the Eastover analysis since properties at the 25 th percentile value would most likely be uninsurable. Forest Acres Home Value Average Premium Brick Veneer Average Premium Vinyl Siding % Change- Brick Veneer Old Rating - 5 New Rating - 2 Old Rating - 5 New Rating - 2 $85,500 $525 $499 $593 $569 5% 4% $105,650 $686 $661 $773 $756 3% 2% $140,200 $747 $710 $846 $810 5% 4% % Change- Vinyl Siding The reduction in insurance premiums in the areas with an original PPC rating of five ranges from 0% to 5%. Some insurance companies rates are not affected by improvements in PPC ratings below a five, so changes in PPC ratings may not result in savings for all customers. This practice of banding ratings was reported in several of the studies cited earlier in this report. 10

14 Financial Impact on Residential Properties There are over 65,000 single-family or duplex properties in Richland County outside the city limits of Columbia that are impacted by the changes in PPC ratings 10. In order to estimate the total financial impact on residential property insurance rates for these properties, IPSPR staff took the average savings for each of the three sample properties in each PPC rating area (25 th, median, and 75 th percentile values) and multiplied those amounts by one-third the number of residential properties in that area to estimate the total savings in that area. The totals for all eight areas were summed to estimate the impact on residential premiums for the entire county. The estimate for the total financial impact on residential property insurance rates in Richland County will be $5.5 million, once all of the PPC ratings become effective on April 1, Non-Residential Properties Initially, IPSPR proposed including non-residential properties in this analysis. After discovering that Richland County s data for commercial and other non-residential properties did not provide the level of detail needed for this analysis, IPSPR staff decided to report general information on insurance rates for non-residential properties. In addition to construction type and age of the structure, there are several factors that impact a commercial property s insurance rate. One issue in commercial insurance lies in ownership. Unfortunately, most of the property data available were at a building level, not at a business level. For example, information was available on a strip mall, but not for the businesses within that mall. It is easy to assume that there may be multiple types of businesses present within such a structure. A general problem surrounding commercial property lies in property use. Regardless of building material, age, and other characteristics, residential property is generally used for one purpose: living quarters. Commercial buildings can vary widely in terms of usage. In fact, during this study IPSPR staff found that even when a commercial building is classified as a restaurant, variations in that usage class presented problems in the analysis. The contents of commercial property may also create wide variations among similar types of commercial enterprises. Another factor affecting commercial property insurance rates is whether the building has a sprinkler system. A commercial building with a sprinkler system has lower insurance premiums, and the PPC rating has little effect on those insurance premiums. Commercial and Government Properties There are close to 10,000 commercial structures in Richland County outside the city limits of Columbia. Commercial property owners will save from 2% to 36% on property insurance, depending on their insurance company, the type of business, and their location in Richland County. As is the practice with residential property insurance, some insurance companies band the PPC ratings when setting commercial property insurance rates. One company bands PPC ratings of one through four in one band, and five and six in another. South Carolina state government, along with Richland County School Districts One and Two, have a number of buildings in Richland County outside the city limits of Columbia. State 10 Residential properties include single-family or duplex structures. Multi-family dwellings, such as apartment complexes, are considered commercial by the insurance industry. 11

15 agencies are self-insured through the Insurance Reserve Fund. School districts insure school properties through commercial underwriters. Although the impact of PPC rating changes will not be as great as it is on residential insurance rates, governmental entities may see reductions in their property insurance rates. Churches Churches in Richland County vary in size from small, rural churches to multi-million dollar churches with dining halls, gymnasiums and other activity buildings. With varying sizes and construction types, it is difficult to calculate an estimate of property insurance premium savings for churches. One of the state s leading insurers of church properties estimates that churches in areas with old PPC ratings of five and six will save an average of 16% on premiums and those in areas previously rated nine will save an average of 25% on premiums. Conclusion Richland County and the City of Columbia have made significant investments in the CRFS in order to improve fire service to the County s residents and businesses. Although saving lives and property is the ultimate goal of the CRFS, Richland County citizens have realized the financial benefit of reduced insurance premiums as a result of CRFS efforts. As Richland County continues to grow, the City and County will have to make further investments in the CRFS to maintain the improved PPC ratings. Many other communities across the nation are undergoing PPC rating studies conducted by ISO. The methodology used in this analysis can assist these communities, particularly those with split ratings, in determining the financial impact of improved PPC ratings and can give property owners a better estimate of savings on insurance premiums. 12

16 APPENDIX A Factors Considered in Determining the PPC Rating and Results for Each Jurisdiction Maximum Credit Richland County Arcadia Lakes Blythewood Eastover Forest Acres Receiving and Handling of Fire Alarms Telephone Service Operators on Duty Alarm Dispatch Circuits Relative Classification for Handling of Alarms Fire Department Pumpers Reserve Pumpers Pump Capacity Ladder/Service Truck Reserve Ladder/Service Truck Distribution of Stations Company Personnel Training Relative Classification for Fire Department Water Supply Adequacy of Water Supply Hydrants: Size, Type, and Installation Hydrants: Inspection and Condition Relative Classification for Water Supply Divergence* Total *Divergence is a reduction in credit to reflect a difference in the relative credits for Fire Department and Water Supply. Source: ISO Mitigation Online 13

17 APPENDIX B Detailed List of Stations and Other Operational Improvements Made by Richland County Eight new stations were constructed within 18 months: Crane Creek, Gadsden, Hopkins, Bear Creek, Blythewood, Killian, Eastover and Congaree Run. The Capital View Fire Station Special Purpose District became part of the Richland County system. The City s Dentsville station also became part of the countywide system Two additional stations were funded and constructed by Richland County: Cedar Creek and Spring Hill. Also, Richland County began installing dry hydrants in rural areas of the county The Leesburg Road Station was added Richland County added tactical manpower teams The Gills Creek Station was opened Richland County broke ground for the Jackson Creek Station on Two Notch Road. The County purchased property for the Elders Pond Station just off of Hardscrabble Road. 14

18 APPENDIX C Columbia/Richland County PPC Ratings District PPC Rating Areas in district Columbia 2 Properties that are inside the Columbia city limits. Richland County Fire District 1 6/9 Richland County north of the City of Columbia and north of the Station 14 Dentsville District to Lexington and Newberry Counties. Fairfield County and to Kershaw County. This area includes the fire districts oldly designated Station 15-Cedar Creek, Station 17- Upper Richland, Station 18-Crane Church, Station 20- Dutch Fork-Ballentine, Station 21-Dutch Fork-Spring Hill, Station 24-Sandhills, Station 25-Bear Creek, Station 26- Blythewood, and Station 27-Killian. Southeast Metro 5 Areas on the southeast side of Columbia, outside the City limits. Included are Olympia, Industrial Park and the Atlas Road area. Station 6-Saint Andrews 4 Saint Andrews area outside Columbia city limits from Lexington County to the Broad River, south of Harbison. Station 14-Dentsville 5 Forest Acres, Arcadia Lakes and the Two Notch Road corridor outside the Columbia city limits. Station 19-Gadsden 9 Gadsden community area west of Hopkins, south of Leesburg Road, west of Eastover. Station 22-Lower Richland 6/9 Areas near Lower Richland High School east of Capital View, south of Fort Jackson, west of Congaree Run, north of Hopkins. Station 23-Hopkins 9 Hopkins community area west of Southeast Metro District, south of Lower Richland, west of Congaree Run. Station 28-Eastover 6/9 Town of Eastover and surrounding area east of Gadsden, south of Garner s Ferry Road to the Sumter County and Calhoun County lines. Station 29-Congaree Run 7/9 Areas adjacent to McEntire Air Base and those west of Hopkins, south of Leesburg Road, west of Eastover, north of Gadsden. Station 30-Capital View 5 Properties outside the Columbia City limits, south of Fort Jackson, west of Lower Richland. Station 31-Leesburg Road 9 Areas east of Lower Richland, south and east of Fort Jackson, north of Eastover to the Sumter County line and the Kershaw County line. Source: Columbia Fire Department 15

19 APPENDIX D Methodology of GIS Application Step One: Using a map of fire districts, Richland County GIS and CFD staff assigned the original PPC rating to each fire district. The rating was based on what the majority of the property was rated. Those districts with split ratings were determined later. Step Two: The fire station point data layer was added to the map, and a buffer extending five road miles from each station was added as a polygon layer. Step Three: The fire hydrant data layer provided by the City of Columbia GIS was added to the analysis. Dry hydrants were excluded from the analysis, as they did not count toward the original PPC ratings. A buffer of 1,000 feet around each fire hydrant was created and was added as a polygon layer. Step Four: Land parcel information from the Richland County Assessor s Office was added to the analysis and was converted from a polygon to a centroid (center point of each polygon) point layer. Each point was given the attributes of the assessor polygon layer and, through a spatial join operation, the attributes of the fire district data. Unfortunately, footprint information for each building was not available. In order to calculate building distance to a fire hydrant, the centroid was used as a proxy for building location. Step Five: The City of Columbia, Fort Jackson, McEntire Air Base, and Congaree National Park were excluded from the analysis. Step Six: Fire districts with split ratings were selected. The first districts selected had a split 6/9 rating. Centroids located within 1,000 feet of a fire hydrant were selected and given a PPC rating of 6. Those centroids outside of 1,000 feet kept the 9 ratings. The lone 7/9 split district was selected, and the 1,000 feet analysis was repeated with those centroids within 1,000 feet of a fire hydrant assigned a 7 rating. Step Seven: All centroids beyond five road-miles of a fire station were selected and given a rating of 10. Step Eight: For future analysis, the boundaries of the incorporated areas (Arcadia Lakes, Blythewood, Eastover, and Forest Acres) were added to the analysis. An attribute for political jurisdiction was added to the centroids to indicate if they were within an incorporated area. 16

The Impact of Improved Public Protection Classification Ratings on Homeowners Insurance Rates in Richland County

The Impact of Improved Public Protection Classification Ratings on Homeowners Insurance Rates in Richland County The Impact of Improved Public Protection Classification Ratings on Homeowners Insurance Rates in Richland County Anna Berger, Mark Bondo, and William Tomes Introduction City and county decision makers,

More information

Improving the ISO Rating 1. Executive Development. Improving the ISO Rating for Clay County, Florida. Richard L. Knoff

Improving the ISO Rating 1. Executive Development. Improving the ISO Rating for Clay County, Florida. Richard L. Knoff Improving the ISO Rating 1 Running head: IMPROVING THE ISO RATING Executive Development IMPROVING THE ISO RATING ARP Mar 2008 Improving the ISO Rating for Clay County, Florida Richard L. Knoff Clay County

More information

FIRE UNDERWRITERS SURVEY AND DISTRIBUTION STUDY. Michael Currie GiFireE, AScT, Director, Western Canada

FIRE UNDERWRITERS SURVEY AND DISTRIBUTION STUDY. Michael Currie GiFireE, AScT, Director, Western Canada FIRE UNDERWRITERS SURVEY AND DISTRIBUTION STUDY Michael Currie GiFireE, AScT, Director, Western Canada AGENDA Brief History of the Fire Underwriters Survey (FUS) Fire Insurance Grading Systems and Index

More information

ISO s PPC TM Program Helping to Build Effective Fire-Protection Services

ISO s PPC TM Program Helping to Build Effective Fire-Protection Services ISO s PPC TM Program Helping to Build Effective Fire-Protection Services ISO is the premier source of information, products, and services related to property and liability risk. For a broad spectrum of

More information

Executive Development. The Insurance Service Office (ISO): Do. Insurance Companies Still Use It and What. is It s Impact on Insurance Rates?

Executive Development. The Insurance Service Office (ISO): Do. Insurance Companies Still Use It and What. is It s Impact on Insurance Rates? The Insurance Service Office 1 Running head: DO INSURANCE COMPANIES UTILIZE ISO Executive Development The Insurance Service Office (ISO): Do Insurance Companies Still Use It and What is It s Impact on

More information

Paulding County ISO Rating Improves Fire Department Rating Could Mean Lower Insurance Premiums

Paulding County ISO Rating Improves Fire Department Rating Could Mean Lower Insurance Premiums Paulding County ISO Rating Improves Fire Department Rating Could Mean Lower Insurance Premiums Hiram, Georgia September 22, 2015 There is very big news for home and property owners across Paulding County.

More information

Measuring Government Performance: Fire, EMS, and Dispatch Services. NESPMP: 04 May 2010

Measuring Government Performance: Fire, EMS, and Dispatch Services. NESPMP: 04 May 2010 Measuring Government Performance: Fire, EMS, and Dispatch Services NESPMP: 04 May 2010 PREFACE In 2008, the New England States Government Finance Officers Association (NESGFOA) initiated a project to develop

More information

Public Protection Classification Summary Report

Public Protection Classification Summary Report Public Protection Classification Summary Report Alachua Co FD FLORIDA Prepared by Insurance Services Office, Inc. 4B Eves Drive, Suite 200 P.O. Box 961 Marlton, New Jersey 08053-3112 (856) 985-5600 July

More information

STEAMBOAT LAKE WATER AND SANITATION DISTRICT PETITION FOR AMENDMENT TO SERVICE PLAN TABLE OF CONTENTS. SECTION DESCRIPTION Page

STEAMBOAT LAKE WATER AND SANITATION DISTRICT PETITION FOR AMENDMENT TO SERVICE PLAN TABLE OF CONTENTS. SECTION DESCRIPTION Page STEAMBOAT LAKE WATER AND SANITATION DISTRICT PETITION FOR AMENDMENT TO SERVICE PLAN TABLE OF CONTENTS SECTION DESCRIPTION Page 1 Executive Summary / Brief History 2 2 Services Provided / Administration

More information

Insurance Services Offices Inc.

Insurance Services Offices Inc. Insurance Services Offices Inc. www.iso.com www.isomitigation.com Fire is the largest single cause of property loss in the United States. In the last decade, fire has caused direct losses of more than

More information

INVENTORY OF CITY FACILITIES

INVENTORY OF CITY FACILITIES The City of Sachse operates and maintains its public buildings to serve the citizens of the community. Identification of the purpose, function and current use of each of these buildings is necessary to

More information

US FIRE DEPARTMENT PROFILE 2013

US FIRE DEPARTMENT PROFILE 2013 US FIRE DEPARTMENT PROFILE 2013 Hylton J. G. Haynes Gary P. Stein November 2014 National Fire Protection Association Fire Analysis and Research Division US FIRE DEPARTMENT PROFILE 2013 Hylton J. G. Haynes

More information

Public Protection Classification Summary Report. Olathe. Kansas

Public Protection Classification Summary Report. Olathe. Kansas Public Protection Classification Summary Report Olathe Kansas Prepared by Insurance Services Office, Inc. 48 Eves Drive, Suite 200 P.O. Box 961 Marlton, New Jersey 08053-3112 (856) 985-5600 January 2013

More information

ANNEX M TO THE FAIRFIELD COUNTY EMERGENCY OPERATIONS PLAN

ANNEX M TO THE FAIRFIELD COUNTY EMERGENCY OPERATIONS PLAN ANNEX M TO THE FAIRFIELD COUNTY EMERGENCY OPERATIONS PLAN ENGINEERING AND PUBLIC WORKS I. AUTHORITIES AND REFERENCES A. Purpose To provide for the coordination and use of Department of Public Works personnel

More information

SECTION ONE CHAPTER 2: A LAND USE PROFILE OF MANCHESTER

SECTION ONE CHAPTER 2: A LAND USE PROFILE OF MANCHESTER SECTION ONE CHAPTER 2: A LAND USE PROFILE OF MANCHESTER Land use is the central element of a comprehensive plan because it establishes the overall physical configuration of the city, including the mix

More information

Housing Affordability Analysis in Support of a Development Impact Fee Study. Town of Fort Mill, South Carolina

Housing Affordability Analysis in Support of a Development Impact Fee Study. Town of Fort Mill, South Carolina Housing Affordability Analysis in Support of a Development Impact Fee Study Town of Fort Mill, South Carolina Final Document February 23, 2015 The South Carolina Development Impact Fee Act (Code of Laws

More information

53 CLOSURES. 28 Road Closures 25 Bridge Closures. Road and Bridge Closures as of 0800 December 18, 2015

53 CLOSURES. 28 Road Closures 25 Bridge Closures. Road and Bridge Closures as of 0800 December 18, 2015 53 CLOSURES 28 Closures 25 Bridge Closures and Bridge Closures as of 0800 December 18, 2015 and Bridge Closures as of December 18, 2015 Aiken County Name Old Shoals US 1 Mt Pleasant Bridge replacement

More information

Dallas Fire-Rescue. FY 11-12 Proposed Budget Presented to the Dallas City Council September 7, 2011

Dallas Fire-Rescue. FY 11-12 Proposed Budget Presented to the Dallas City Council September 7, 2011 Dallas Fire-Rescue FY 11-12 Proposed Budget Presented to the Dallas City Council September 7, 2011 This briefing addresses recent questions regarding the Dallas Fire-Rescue recommended FY 11-12 Budget

More information

Regional Emergency Services Master Plan & Cooperative Services Feasibility Study Hernando County, FL. Table of Contents

Regional Emergency Services Master Plan & Cooperative Services Feasibility Study Hernando County, FL. Table of Contents Table of Contents Table of Figures...iii Executive Summary... 1 Section 1 Emergency Services Agency Evaluations... 13 Objective One Organizational Overview... 13 Objective Two Management Component... 35

More information

DETERMINING THE BEST PLAN OF ACTION FOR IMPROVING THE ISO RATING FOR THE BRYAN, TEXAS FIRE DEPARTMENT EXECUTIVE LEADERSHIP.

DETERMINING THE BEST PLAN OF ACTION FOR IMPROVING THE ISO RATING FOR THE BRYAN, TEXAS FIRE DEPARTMENT EXECUTIVE LEADERSHIP. DETERMINING THE BEST PLAN OF ACTION FOR IMPROVING THE ISO RATING FOR THE BRYAN, TEXAS FIRE DEPARTMENT EXECUTIVE LEADERSHIP BY: Randy McGregor Bryan Fire Department Bryan, Texas An applied research project

More information

Note: Fire Cause and Arson Investigation are covered in Criterion 5D.

Note: Fire Cause and Arson Investigation are covered in Criterion 5D. Criterion 5B: Fire Prevention/Life Safety Program There is an adequate, effective and efficient program directed toward fire prevention, life safety, risk reduction of hazards, the detection, reporting,

More information

Amended Date of New & Revised Material Updates. How To Reach Us

Amended Date of New & Revised Material Updates. How To Reach Us Dwelling Fire Product Guide What s New Amended Date of New & Revised Material Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Marketing Materials

More information

Residential Plan Review Emergency Vehicle Access and Water Supply Permit Information Packet

Residential Plan Review Emergency Vehicle Access and Water Supply Permit Information Packet Residential Plan Review Emergency Vehicle Access and Water Supply Permit Information Packet 1. Definitions a. AHJ Authority Having Jurisdiction. The Fire Chief or Fire Marshal of a given Fire District

More information

EVALUATING THE ISO GRADING SYSTEM AND THE FIRE AND EMERGENCY SERVICES ACCREDITATION PROGRAM STRATEGIC MANAGEMENT OF CHANGE

EVALUATING THE ISO GRADING SYSTEM AND THE FIRE AND EMERGENCY SERVICES ACCREDITATION PROGRAM STRATEGIC MANAGEMENT OF CHANGE EVALUATING THE ISO GRADING SYSTEM AND THE FIRE AND EMERGENCY SERVICES ACCREDITATION PROGRAM STRATEGIC MANAGEMENT OF CHANGE BY: Jeff Buchanan Battalion/Division Chief City of Oviedo Fire/Rescue and Emergency

More information

Fiscal impact analysis of three development scenarios in Nashville-Davidson County, TN

Fiscal impact analysis of three development scenarios in Nashville-Davidson County, TN Fiscal impact analysis of three development scenarios in Nashville-Davidson County, TN April 2013 Prepared by 1 SUMMARY BY SMART GROWTH AMERICA Summary This study examines the relative fiscal costs and

More information

Report available to the public as a courtesy of HousingEconomics.com

Report available to the public as a courtesy of HousingEconomics.com Fire Sprinklers and Homeowner Insurance Special Studies, September 14, 2007 By By Lanlan Xu Report available to the public as a courtesy of HousingEconomics.com The issue of installing fire sprinklers

More information

Dissecting dwelling insurance

Dissecting dwelling insurance Dissecting dwelling insurance Comparing fire protection capacity against calculated risk level Written by Michael R. Currie Editor s note: Parts 1 and 2 in our occasional series on insurance grading in

More information

PLAN TO COOPERATE, COLLABORATE, & CONSOLIDATE SERVICES (2013) Economic Vitality Incentive Program

PLAN TO COOPERATE, COLLABORATE, & CONSOLIDATE SERVICES (2013) Economic Vitality Incentive Program PLAN TO COOPERATE, COLLABORATE, & CONSOLIDATE SERVICES (2013) Economic Vitality Incentive Program January 24, 2013 Table of Contents Introduction... 3 Consolidation of Public Safety Answering Points (Dispatch)...4

More information

Fire and Emergency Medical Services (EMS) Responders

Fire and Emergency Medical Services (EMS) Responders 3. Section 3 THREE Environmental Impact Analysis SECTION 3.13 3.13 PUBLIC SERVICES This section characterizes existing and proposed public services in the project area and evaluates changes that may result

More information

FOR SALE. The Friedman Building 1701 18th Avenue South, Seattle 98144. Nicholas T. Gill 206.505.9410. Allan Friedman. 206.505.

FOR SALE. The Friedman Building 1701 18th Avenue South, Seattle 98144. Nicholas T. Gill 206.505.9410. Allan Friedman. 206.505. FOR SALE FOR MORE INFORMATION PLEASE CONTACT: The Friedman Building 1701 18th Avenue South, Seattle 98144 PRICE: $4,800,000 FEATURES: LAND SF: 40,000 SF + Fantastic Large Townhome Site BUILDING SF: 33,332

More information

2012 Minnesota Homeowners Report

2012 Minnesota Homeowners Report 2012 Minnesota Homeowners Report Minnesota Department of Commerce 2012 Homeowners Insurance Report Page 1 2012 Minnesota Homeowners Report The Minnesota Homeowners Report is completed annually by the Minnesota

More information

Lake County. Government Finance Study. Supplemental Material by Geography. Prepared by the Indiana Business Research Center

Lake County. Government Finance Study. Supplemental Material by Geography. Prepared by the Indiana Business Research Center County Government Finance Study Supplemental Material by Geography Prepared by the Indiana Business Research www.ibrc.indiana.edu for Sustainable Regional Vitality www.iun.edu/~csrv/index.shtml west Indiana

More information

A Detailed Analysis: Improving the City s ISO Rating. Terry Flynn. Traverse City Fire Department. Traverse City, MI. Executive Development

A Detailed Analysis: Improving the City s ISO Rating. Terry Flynn. Traverse City Fire Department. Traverse City, MI. Executive Development Running head: A DETAILED ANALYSIS: IMPROVING THE CITY S RATING A Detailed Analysis: Improving the City s ISO Rating Terry Flynn Traverse City Fire Department Traverse City, MI Executive Development January

More information

Iowa. Homeowner s and Renter s Insurance Shopper s Guide. Iowa Insurance Division. Compare quotes by location and coverage amount

Iowa. Homeowner s and Renter s Insurance Shopper s Guide. Iowa Insurance Division. Compare quotes by location and coverage amount 2012 Iowa Homeowner s and Renter s Insurance Shopper s Guide Compare quotes by location and coverage amount Frequently asked questions Iowa Insurance Division Homeowner s and Renter s Insurance Shopper

More information

ATTENTION BUILDERS, CONTRACTORS AND DEVELOPERS

ATTENTION BUILDERS, CONTRACTORS AND DEVELOPERS ATTENTION BUILDERS, CONTRACTORS AND DEVELOPERS Wellington Fire Protection District Development and Construction Plan Review Fee Policy. For any questions, contact the Fire Marshal at (970) 568-3232, ext

More information

STATE FIRE MARSHAL'S OFFICE

STATE FIRE MARSHAL'S OFFICE STATE FIRE MARSHAL'S OFFICE Firefighter Fatality Investigations ANNUAL REPORT FY 2010 Texas Department of Insurance Austin, Texas October 2010 Table of Contents Executive Summary... 3 Texas Firefighter

More information

Town of Lakeshore Fire Master Plan Final Report

Town of Lakeshore Fire Master Plan Final Report Final Report June 2011 Submitted To: The Town of Lakeshore Fire Department 07-8343 Submitted By: Dillon Consulting Limited Executive Summary EXECUTIVE SUMMARY The Town of Lakeshore initiated this study

More information

B. Initial certification of a new fire district shall require the 20 personnel roster.

B. Initial certification of a new fire district shall require the 20 personnel roster. REQUIREMENTS TO MEET THE 9S RATING FOR INITIAL CERTIFICATION/RE-INSPECTION OF FIRE DEPARTMENTS IN NORTH CAROLINA Pursuant to G. S. 58-2-40, and G. S. 58-36-10 (3), the Insurance Commissioner authorized

More information

Submitted By Dutchess County Emergency Response Coordinator John Murphy Date:

Submitted By Dutchess County Emergency Response Coordinator John Murphy Date: THE DUTCHESS COUNTY OFFICE OF EMERGENCY RESPONSE FIRE ~ RESCUE ~ EMS MUTUAL AID PLAN FOR THE COUNTY OF DUTCHESS RECOMMENDED FOR ADOPTION BY: DUTCHESS COUNTY FIRE AND SAFETY ADVISORY BOARD ORIGINAL DATED

More information

FILE NO.: Z-8403. LOCATION: Located on the Northeast and Southeast corners of West 12 th Street and Dennison Street

FILE NO.: Z-8403. LOCATION: Located on the Northeast and Southeast corners of West 12 th Street and Dennison Street FILE NO.: Z-8403 NAME: Glason Short-form POD LOCATION: Located on the Northeast and Southeast corners of West 12 th Street and Dennison Street DEVELOPER: Dennis Glason c/o the Law Office of Simmons S.

More information

PART 4: INSURANCE IMPLICATIONS

PART 4: INSURANCE IMPLICATIONS PART 4: INSURANCE IMPLICATIONS Code enforcement can have a major influence on the economic well-being of a municipality and the safety of its citizens. Municipalities that adopt up-to-date, unamended codes

More information

Fire Suppression Rating Schedule

Fire Suppression Rating Schedule Fire Suppression Rating Schedule INSURANCE SERVICES OFFICE, INC. Insurance Services Office, Inc., 2012 Page 1 FIRE SUPPRESSION RATING SCHEDULE Table of Contents Section 100 Introduction Chapter I Public

More information

Florida Market Assistance Plan Online Referral Agent Guide

Florida Market Assistance Plan Online Referral Agent Guide Florida Market Assistance Plan Online Referral Agent Guide Contents WELCOME FMAP AGENT GUIDE FMAP Data WELCOME FMAP The Florida Market Assistance Plan (FMAP) is a program authorized by the Florida Legislature

More information

EASTERN ARIZONA COLLEGE Introduction to Fire Science

EASTERN ARIZONA COLLEGE Introduction to Fire Science EASTERN ARIZONA COLLEGE Introduction to Fire Science Course Design 2014-2015 Course Information Division Allied Health Course Number FSC 100 Title Introduction to Fire Science Credits 3 Developed by Charles

More information

2012 CEEI Floor Area Methodology - Residential, Commercial, and Industrial Buildings

2012 CEEI Floor Area Methodology - Residential, Commercial, and Industrial Buildings 2012 CEEI Methodology - Residential, Commercial, and Buildings 1.1. Protocol and Guiding Principles In order to improve understanding of the building characteristics at a neighbourhood level, the BC Assessment

More information

3.6.1 Existing Conditions - Police, Fire, Ambulance, Water, Sewer, & Solid Waste

3.6.1 Existing Conditions - Police, Fire, Ambulance, Water, Sewer, & Solid Waste 3.6 3.6.1 Existing Conditions - Police, Fire, Ambulance, Water, Sewer, & Solid Waste Police Protection The Clarkstown Police Department provides police protection services to properties within the 40 square

More information

INSURANCE IN MISSISSIPPI 10 YEARS AFTER KATRINA. Mike Chaney, Commissioner

INSURANCE IN MISSISSIPPI 10 YEARS AFTER KATRINA. Mike Chaney, Commissioner INSURANCE IN MISSISSIPPI 10 YEARS AFTER KATRINA Mike Chaney, Commissioner A publication of the Mississippi Insurance Department August 2015 Message from Commissioner of Insurance Mike Chaney One of the

More information

Preserve the Tax-Exempt Status of Municipal Bonds

Preserve the Tax-Exempt Status of Municipal Bonds The, and its members, support the preservation of the existing tax-exempt status of municipal bonds. Specifically, FAC supports legislative provisions that: Uphold the tax-exempt status of municipal bonds.

More information

Case Study: The History of the San Juan Headwaters Forest Health Partnership

Case Study: The History of the San Juan Headwaters Forest Health Partnership Case Study: The History of the San Juan Headwaters Forest Health Partnership Introduction: Wildfire is a part of life in Southwest Colorado. It plays an integral role in ecosystem health and management.

More information

RP-5217 Real Property Transfer Report Instructions

RP-5217 Real Property Transfer Report Instructions RP-5217-INS (Rev. 11/11) RP-5217 Real Property Transfer Report Instructions Data Management Unit (518) 474-1170 Tax and Finance website: www.tax.ny.gov The RP-5217 Real Property Transfer Report is a form

More information

Rural Residential Buildable Lands Inventory

Rural Residential Buildable Lands Inventory The Dalles Periodic Review, May 2013 Rural Residential Lands Inventory Contents Introduction and Summary... 1 Concerns related to the 2007 Analysis... 2 Rural Residential Capacity Summary... 2 Methodology...

More information

Williamson County Emergency Services District #3 HUTTO FIRE RESCUE. ISO Action Plan

Williamson County Emergency Services District #3 HUTTO FIRE RESCUE. ISO Action Plan Williamson County Emergency Services District #3 HUTTO FIRE RESCUE ISO Action Plan Hutto Fire Rescue Every Shift Every Day! Williamson County Emergency Services District #3 Hutto Fire Rescue 501 Exchange

More information

Fiscal Impact Analysis of the Annexation Proposed by the Town of Beaumont. Leduc County FINAL REPORT

Fiscal Impact Analysis of the Annexation Proposed by the Town of Beaumont. Leduc County FINAL REPORT Fiscal Impact Analysis of the Annexation Proposed by the Town of Beaumont Leduc County FINAL REPORT Suite 2220 Sun Life Place 10123 99 Street Edmonton, Alberta T5J 3H1 T 780.425.6741 F 780.426.3737 www.think-applications.com

More information

STATE OF NEW HAMPSHIRE

STATE OF NEW HAMPSHIRE OF NEW HAMPSHIRE DIVISION OF FIRE SAFETY STATE FIRE MARSHAL OFFICE FIRE INSURANCE TAX STUDY DECEMBER 2008 SUMMARY OF FIRE INSURANCE TAX STUDY In the year 2008, a poll was distributed electronically to

More information

Appendix D Flood Damage Assessment

Appendix D Flood Damage Assessment Appendix D Flood Damage Assessment There is no single definition of the phrase flood-damage assessment that is applicable to all agencies. Such a definition would be difficult to develop and may be unnecessary.

More information

SERVING WITH SUCCESS WILLOWS WATER. Willows Water District 6930 South Holly Circle Centennial, Colorado 80112 303-770-8625 www.willowswater.

SERVING WITH SUCCESS WILLOWS WATER. Willows Water District 6930 South Holly Circle Centennial, Colorado 80112 303-770-8625 www.willowswater. Willows Water District 6930 South Holly Circle Centennial, Colorado 80112 303-770-8625 www.willowswater.org WILLOWS WATER. SERVING WITH SUCCESS Willows office building is located at 6930 S. Holly Circle.

More information

EXHIBIT A LOCATION MAP AND LAND USE INFORMATION

EXHIBIT A LOCATION MAP AND LAND USE INFORMATION EXHIBIT A LOCATION MAP AND LAND USE INFORMATION In accordance with Arizona Corporation Commission Rules of Practice and Procedure R14-3-219, Applicant provides the following location maps and land use

More information

SECTION 1 PURPOSE AND POLICIES

SECTION 1 PURPOSE AND POLICIES SECTION 1 PURPOSE AND POLICIES These Rules and Regulations have been enacted to serve the public in securing the health, safety, and general welfare of the inhabitants of the Southwest Suburban Denver

More information

Capital Facilities Financial Plan (2007-2012) Supporting document to the 20-year Comprehensive Management Plan

Capital Facilities Financial Plan (2007-2012) Supporting document to the 20-year Comprehensive Management Plan Capital Facilities Financial Plan (2007-2012) Supporting document to the 20-year Comprehensive Management Plan Revised May 2007 CAPITAL FACILITIES FINANCIAL PLAN 2007-2012 CLARK COUNTY 20-YEAR GROWTH MANAGEMENT

More information

How State VOCA Administrators Can Use GIS

How State VOCA Administrators Can Use GIS How State VOCA Administrators Can Use GIS State VOCA administrators can use GIS in many ways. As an analytical tool, GIS can identify trends and patterns not discernible by tabular inquiries. An example

More information

OVERVIEW OF ARIZONA STATE PROPERTY TAX SYSTEM IN MARICOPA COUNTY

OVERVIEW OF ARIZONA STATE PROPERTY TAX SYSTEM IN MARICOPA COUNTY Maricopa County Department of Finance Prepared: 10/22/13 OVERVIEW OF ARIZONA STATE PROPERTY TAX SYSTEM IN MARICOPA COUNTY The following Overview of the Arizona State Property Tax System was prepared by

More information

Code Adoption Process by State Revised: December 2012

Code Adoption Process by State Revised: December 2012 State Statewide for all buildings 1 State Level Adoption Statewide for state owned/funded buildings 2 Adoption at local level 3 Local Adoption Locals can make more restrictive Is there a Legislative State

More information

Appendix 5. Brighouse and Elland. Fire Station. Business Case

Appendix 5. Brighouse and Elland. Fire Station. Business Case Appendix 5 Brighouse and Elland Fire Station Business Case At a Glance the Key Points for this Proposal Proposal: Key Points: The construction of a new fire station to replace Brighouse and Elland fire

More information

REPORT OF THE STATE CORPORATION COMMISSION S BUREAU OF INSURANCE ON. Insurance Coverage for Volunteer Firefighters and Rescue Squad Members

REPORT OF THE STATE CORPORATION COMMISSION S BUREAU OF INSURANCE ON. Insurance Coverage for Volunteer Firefighters and Rescue Squad Members REPORT OF THE STATE CORPORATION COMMISSION S BUREAU OF INSURANCE ON Insurance Coverage for Volunteer Firefighters and Rescue Squad Members COMMONWEALTH OF VIRGINIA RICHMOND 2000 Table of Contents EXECUTIVE

More information

Geographic Information System Product Distribution Policies. Preface

Geographic Information System Product Distribution Policies. Preface Support Services Department Information Technologies Division Geographic Information System Product Distribution Policies Preface 1. Purpose Geographic Information System (GIS) Product Distribution Policies

More information

2007 Special Session Fiscal Summary of Disaster Relief

2007 Special Session Fiscal Summary of Disaster Relief 2007 Special Session Fiscal Summary of Disaster Relief Money Matters 07.07 October 2007 Flood Relief...1 I-35W Bridge Disaster Relief...6 Other Statewide Disaster Relief...6 Fiscal Analysis Department

More information

Homeowners Insurance in the States

Homeowners Insurance in the States Testimony to the Senate Business and Commerce Committee Senator John J. Carona, Chair Texas Legislature Tuesday, July 10, 2012 Heather Morton National Conference of State Legislatures Denver, Colorado

More information

MEMORANDUM. Per the S.C. Department of Revenue:

MEMORANDUM. Per the S.C. Department of Revenue: South Carolina Department of Labor, Licensing and Regulation Office of State Fire Marshal 141 Monticello Trail Columbia, SC 29203 Phone: 803-896-9800 Fax: 803-896-9806 www.llronline.com MEMORANDUM TO:

More information

D3 April 8, 2015 Public Hearing

D3 April 8, 2015 Public Hearing D3 April 8, 2015 Public Hearing APPLICANT AND PROPERTY OWNER: ASSEMBLY OF YAH, INC. STAFF PLANNER: Kevin Kemp REQUEST: Conditional Use Permit (Religious Facility - church) ADDRESS / DESCRIPTION: 5151 Locke

More information

Minnesota State Plan Review Level 2 Hazus-MH 2.1 County Model for Flooding Dakota County Evaluation

Minnesota State Plan Review Level 2 Hazus-MH 2.1 County Model for Flooding Dakota County Evaluation Overview Minnesota State Plan Review Level 2 Hazus-MH 2.1 County Model for Flooding Dakota County Evaluation Minnesota Homeland Security and Emergency Management (HSEM) is responsible for supporting activities

More information

Kendell Keith, RLA, AICP, LEED AP Executive Vice President RELEVANT EXPERIENCE

Kendell Keith, RLA, AICP, LEED AP Executive Vice President RELEVANT EXPERIENCE EDUCATION Master of Business Administration, Rollins College, Winter Park, Florida (2006) Master of City Planning, Georgia Institute of Technology, Atlanta, Georgia (1991) Graduate Certificate in Real

More information

U. S. and Maryland New Housing Unit Production: 2009

U. S. and Maryland New Housing Unit Production: 2009 U. S. and Maryland New Housing Unit Production: 2009 (See Building Permit Data Summary Tables, Charts and Maps at http://planning.maryland.gov/msdc/newhh/newhh.shtml Annual Reports: 2009. Nationally, permit

More information

COUNTY AND MUNICIPAL GOVERNMENTS ACCOMMODATIONS TAX GUIDELINES

COUNTY AND MUNICIPAL GOVERNMENTS ACCOMMODATIONS TAX GUIDELINES COUNTY AND MUNICIPAL GOVERNMENTS ACCOMMODATIONS TAX GUIDELINES TOURISM EXPENDITURE REVIEW COMMITTEE P.O. BOX 125 COLUMBIA, SOUTH CAROLINA 29214-0120 1 COUNTY AND MUNICIPAL GOVERNMENT GUIDELINES ACCOMMODATIONS

More information

Guam Fire Department. A Report to Our Citizens 2012-2013

Guam Fire Department. A Report to Our Citizens 2012-2013 Guam Fire Department A Report to Our Citizens 2012-2013 Mission Statement The Guam Fire Department will respond to and mitigate all threats to life, property, and the environment in the Territory of Guam

More information

Interstate 95 is closed from I-26 to I-20 in both directions and is detoured. I-95 will be opened when repairs to these 13 bridges are complete.

Interstate 95 is closed from I-26 to I-20 in both directions and is detoured. I-95 will be opened when repairs to these 13 bridges are complete. 2015 Major Flood Report Statew ide Operations (8:00 AM- REPORT) October 11, 2015 Statewide Summary Interstate I-95: The Contractor has made good progress towards the repair of the substructures of 13 Interstate

More information

STATE OF IOWA ELECTRICAL FAQ S

STATE OF IOWA ELECTRICAL FAQ S STATE OF IOWA ELECTRICAL FAQ S EXAMINATION AND LICENSING QUESTIONS What electrical code will be adopted? Per Iowa Administrative Code 661-504.1, the provisions of the National Electrical Code, 2008 Edition,

More information

TOWN OF OHIO BUILDING PERMIT APPLICATION

TOWN OF OHIO BUILDING PERMIT APPLICATION DATE OF APPLICATION APPLICANT'S NAME, ADDRESS OWNER, ADDRESS PHONE:[ ] - PHONE:[ ] - E-MAIL: APPLICANT IS: OWNER [ ] CONTRACTOR [ ] PROJECT LOCATION: ROAD DIRECTIONS TAX MAP # NATURE OF WORK: [CHECK ALL

More information

Arkansas Property Tax: Revenue, Assessments & Rates

Arkansas Property Tax: Revenue, Assessments & Rates Madison County 1 Arkansas Property Tax: Revenue, Assessments & Rates Project Director Wayne P. Miller Data Analysis Vuko Karov Cooperative Extension Service University of Arkansas Division of Agriculture

More information

Design Criteria & Service Goals

Design Criteria & Service Goals 4.1 Design Life of Improvements The design life of a water system component is sometimes referred to as its useful life or service life. The selection of a design life is a matter of judgment based on

More information

BRAZOS COUNTY PCT.4 FIRE DEPARTMENT P.O. BOX 4186 BRYAN, TX (979) , Fax (979) Website:

BRAZOS COUNTY PCT.4 FIRE DEPARTMENT P.O. BOX 4186 BRYAN, TX (979) , Fax (979) Website: BRAZOS COUNTY PCT.4 FIRE DEPARTMENT BRYAN, TX 77805 Website: www.precinct4.com APPLICATION FOR POSITION OF FIREFIGHTER 09-24-2013 Brazos County Precinct 4 Fire Department was organized in 1978 and incorporated

More information

City of College Station, TX

City of College Station, TX City of College Station, TX F IRE CHIEF 1101 Texas Ave. College Station, TX 77840 The Community The City of College Station is located in the heart of central Texas with a population of 107,000 people

More information

Restoration. a brief look at

Restoration. a brief look at Copyright 2009 Canin Associates, Inc. All rights reserved. No part of this publication may be reproduced or transmitted by any means without written permission from Canin Associates, Inc. a brief look

More information

TOWN OF DAVIE TOWN COUNCIL AGENDA REPORT

TOWN OF DAVIE TOWN COUNCIL AGENDA REPORT TOWN OF DAVIE TOWN COUNCIL AGENDA REPORT TO: Mayor and Councilmembers FROM/PHONE: Mark Kutney, AICP, Development Services Director/(954) 797-1101 Prepared by Annie Feng, Planner II SUBJECT: Resolution

More information

DECLARE INTENTIONALLY KILLED AND LEFT STANDING TREES A PUBLIC NUISANCE

DECLARE INTENTIONALLY KILLED AND LEFT STANDING TREES A PUBLIC NUISANCE DECLARE INTENTIONALLY KILLED AND LEFT STANDING TREES A PUBLIC NUISANCE Title 8 of the Mendocino County Code entitled PUBLIC HEALTH, SAFETY AND WELFARE grants Mendocino County the authority to protect the

More information

Percent change. Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure

Percent change. Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure Page 1 of 7 Auto Insurance AAA s 2010 Your Driving Costs study found that the average cost to own and operate a sedan rose by 4.8 percent to $8,487 per year, compared with the previous year. Rising fuel,

More information

Home Buyers Insurance Checklist

Home Buyers Insurance Checklist Home Buyers Insurance Checklist Shopping for your dream house? There are many considerations when looking at real estate, such as property taxes, school district, available recreational opportunities in

More information

A PPENDICES C OLLIERVILLE 2040 LAND USE PLAN UPDATE

A PPENDICES C OLLIERVILLE 2040 LAND USE PLAN UPDATE A PPENDICES C OLLIERVILLE 2040 LAND USE PLAN UPDATE Traditional Neighborhood Character Study with a Neighborhood Center Commercial Node Aldi s is appropriate in a Neighborhood Center School Greenbelt Trail

More information

Employee Benefits. To provide centralized budgetary and financial control over employee fringe benefits paid by the County.

Employee Benefits. To provide centralized budgetary and financial control over employee fringe benefits paid by the County. Mission To provide centralized budgetary and financial control over employee fringe benefits paid by the County. Focus Agency 89, Employee Benefits, is a set of consolidated accounts that provide budgetary

More information

The Process of Taxation

The Process of Taxation The Process of Taxation The property taxes you pay fund services provided by the combination of taxing entities within the tax district you reside. Property taxes are also known as real estate taxes and

More information

ECONOMIC IMPACT TOOL: SENSITIVITY ANALYSIS Cherokee Hills National Scenic Byway CASE STUDY AMERICA S BYWAYS RESOURCE CENTER AUGUST 16, 2012

ECONOMIC IMPACT TOOL: SENSITIVITY ANALYSIS Cherokee Hills National Scenic Byway CASE STUDY AMERICA S BYWAYS RESOURCE CENTER AUGUST 16, 2012 AMERICA S BYWAYS RESOURCE CENTER ECONOMIC IMPACT TOOL: SENSITIVITY ANALYSIS Cherokee Hills National Scenic Byway CASE STUDY AUGUST 16, 2012 mountainview@utah.gov www.udot.utah.gov/mountainview CONTENTS

More information

2013 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables

2013 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables State of Utah Insurance Department Todd E. Kiser Commissioner 2013 As required by law, the Utah Insurance Department has prepared this guide to auto and homeowners insurance. This annual guide provides

More information

FILE NO.: Z-6915-C. Gamble Road Short-form PCD and Land Alteration Variance Request

FILE NO.: Z-6915-C. Gamble Road Short-form PCD and Land Alteration Variance Request FILE NO.: Z-6915-C NAME: Gamble Road Short-form PCD and Land Alteration Variance Request LOCATION: Located on the Northwest corner of Chenal Parkway and Gamble Road DEVELOPER: Davis Properties P.O. Box

More information

6 October 9, 2013 Public Hearing APPLICANT AND PROPERTY OWNER: LYNNHAVEN SHOPPING CENTER

6 October 9, 2013 Public Hearing APPLICANT AND PROPERTY OWNER: LYNNHAVEN SHOPPING CENTER 6 October 9, 2013 Public Hearing APPLICANT AND PROPERTY OWNER: LYNNHAVEN SHOPPING CENTER STAFF PLANNER: Kristine Gay REQUEST: Conditional Use Permit (Indoor Commercial Recreation Facility) ADDRESS / DESCRIPTION:

More information

MAPPING MINNEAPOLIS URBAN TREE CANOPY. Why is Tree Canopy Important? Project Background. Mapping Minneapolis Urban Tree Canopy.

MAPPING MINNEAPOLIS URBAN TREE CANOPY. Why is Tree Canopy Important? Project Background. Mapping Minneapolis Urban Tree Canopy. MAPPING MINNEAPOLIS URBAN TREE CANOPY Why is Tree Canopy Important? Trees are an important component of urban environments. In addition to their aesthetic value, trees have significant economic and environmental

More information

Impact of Casinos on the Emergency Services of Orange County, New York

Impact of Casinos on the Emergency Services of Orange County, New York Orange County Department of Emergency Services Walter C. Koury, Commissioner Impact of Casinos on the Emergency Services of Orange County, New York April 2014 Steven M. Neuhaus Orange County Executive

More information

For more information, visit: rethinkingstreets.com

For more information, visit: rethinkingstreets.com For more information, visit: rethinkingstreets.com 37 Arterial Rehab Busy, multi-lane streets, often referred to as arterials, crisscross the landscape of our cities and suburbs. Alongside these wide thoroughfares,

More information

ECONOMIC IMPACTS OF THE ANTICIPATED NON-ACCREDITATION OF BERNALILLO COUNTY LEVEES

ECONOMIC IMPACTS OF THE ANTICIPATED NON-ACCREDITATION OF BERNALILLO COUNTY LEVEES University of New Mexico Bureau of Business and Economic Research ECONOMIC IMPACTS OF THE ANTICIPATED NON-ACCREDITATION OF BERNALILLO COUNTY LEVEES PART 1: ESTIMATED COST OF INCREASED FLOOD INSURANCE September

More information

Master Property Planning and Facilitation Process District Administration Meeting. March 2015

Master Property Planning and Facilitation Process District Administration Meeting. March 2015 Master Property Planning and Facilitation Process District Administration Meeting March 2015 Presentation Overview Welcome/Introductions Plante Moran Cresa (PMC) Overview of Engagement/Process Bloomfield

More information

APPROVED CONSOLIDATION AGREEMENT BETWEEN THE TOWN OF AMHERST SANITARY SEWER DISTRICTS 1 and 16 REGARDING THEIR CONSOLIDATION INTO A SINGLE DISTRICT

APPROVED CONSOLIDATION AGREEMENT BETWEEN THE TOWN OF AMHERST SANITARY SEWER DISTRICTS 1 and 16 REGARDING THEIR CONSOLIDATION INTO A SINGLE DISTRICT REGARDING THEIR CONSOLIDATION INTO A SINGLE DISTRICT This Agreement ("the Agreement ) is entered into this day of, 2011, between the Town of Amherst Sanitary Sewer District 1 (hereinafter SSD 1 ) and Town

More information

HOUSING HOUSING ELEMENT. Introduction Issues and Concerns Goals, Objectives and Policies Exhibits HOUSING

HOUSING HOUSING ELEMENT. Introduction Issues and Concerns Goals, Objectives and Policies Exhibits HOUSING ELEMENT Introduction Issues and Concerns Goals, Objectives and Policies Exhibits 2020 ELEMENT INTRODUCTION Since populations group themselves into households, the socioeconomic makeup of those households

More information