Insurance Services Office, Inc. (ISO) Rating

The Insurance Services Office, Inc. is an insurer-supported organization with the primary mission of providing advisory insurance underwriting information to insurers. The goal of ISO is to accurately rate the community’s fire suppression and control resources through a Public Protection Classification (PPC) system. The PPC number is one of several elements considered in the calculation of individual property insurance premiums by insurance companies. Almost every insurance company utilizes PPC codes in establishing premiums for both commercial and residential property policies. Public Protection Classification ratings go from class 1, representing the best public protection to class 10.

In 1999 Trophy Club was rated a class 4, and over the years with community support and continual development we were able to request a new review to determine if our community was eligible for an improvement in our ISO rating, and thus in our insurance rates. On April 30, 2008, the Insurance Services Office, Inc. (ISO) submitted a letter of rate adjustment to the Texas Department of Insurance, State Fire Marshal’s office, for the new class 3 rating. The class 3 rating went into effect on November 1, 2008.  Trophy Club is again scheduled for an ISO assessment in June, 2020. To learn more about ISO, go to the Texas State Fire Marshal’s Office website.

Interlocal Agreement

Interlocal Agreement Between the Town of Trophy Club and Trophy Club MUD Number 1

The Trophy Club Town Council and Trophy Club MUD Number 1 Directors met in a joint meeting on September 19, 2016 with one main item on the agenda - Consider and take appropriate action regarding an Interlocal Cooperation Agreement for Administration of Fire Protection Services between the Town of Trophy Club and Trophy Club Municipal Utility District Number 1. Both entities worked diligently to represent the best interests of Trophy Club residents and businesses to create an agreement maximizing efficiency, transparency and cohesiveness. 

Highlights of the agreement: 

  • Five-year agreement automatically renews unless a party opts out
  • Creates one operational reporting structure under the Town
  • Trophy Club MUD Number 1 and The Town of Trophy Club will discuss and agree on annual budget each year for Fire Services