ISO Rating

ISO LogoEffective March 01, 2021, Trophy Club homeowners and local business owners may qualify to receive a lower insurance renewal rate as a result of the ISO 1 rating score earned by the Trophy Club Fire Department.

The Town joins the top 1% of communities in the US for excellence in fire protection. Only 1 in 33 cities in Texas have received an ISO 1 rating.

"This is a citywide accomplishment," says Trophy Club Fire Chief J. Taylor. "It takes a collaborative effort between all town departments, partnership with the Trophy Club MUD, and support from our Town Council, to earn a perfect rating. I especially commend our staff for their dedication and commitment to provide the residents of Trophy Club superior property fire protection."

Approval Letter:


Download the PDF letter below and share it with your insurance company for potential savings on your insurance premiums.

What is an ISO rating?

"ISO" stands for the Insurance Services Office, a private corporation that evaluates industries for insurance rating purposes. For the fire service, the ISO uses the Public Protection Classification (PPCTM) program, in which the ISO conducts periodic audits of every fire department in the United States on a constantly rotating basis, usually about every 10 years.

An ISO rating is used by most insurance companies to predict and analyze risk when establishing insurance premiums. Approximately 46,000 fire departments around the country are evaluated and classified every 10 years by the Insurance Service Office (ISO). Departments receive a score from 1 to 10 based on a 100 point grading system.

In 2008, the Town of Trophy Club received a 74.33 ISO 2 rating compared to this year’s score of 95.62 ISO 1 rating. The improvement was in part contributed to the increase of firefighter daily minimum staffing from 4 per shift, to 5. This is currently accomplished by supplementing staff with part-time professional firefighter/paramedics. Staffing, improved fire apparatus, along with major improvements in personal protective equipment (PPE), departmental training/records, and automatic-aid from surrounding communities contributed to the increased score. 

Another huge component was the creative utilization of staffing to implement Squad 681 for EMS/Fire responses. This broadens our response in many areas, including providing the ability to respond to back-to-back emergency responses without 20-25 minute automatic aid delays experienced in the past. The Trophy Club Fire Department is committed to continuing its efforts to maintain the ISO 1 rating for years to come.

Trophy Club residents and business owners are encouraged to share the new rating information with their insurance providers at the time of renewal no earlier than March 1, 2021. For more information about the ISO 1 rating, please call the Trophy Club Fire Department at 682-237-2940.