Texas Department of Insurance ISO Determination Letter The Insurance Services Office (ISO) uses a countrywide classification system to rate a community’s fire protection capabilities. The ISO rating system considers a fire department’s response time, training, staffing levels, and if current fire codes are adopted. In addition to the fire department’s capabilities, the rating system also looks at the community's water supply, the water department’s maintenance programs, and various fire dispatch system performance indicators. The ratings range from a PPC (Public Protection Classification) of 1 to 10, with 1 being the best possible rating.
Since 2016, LEFD has been designated as an ISO Class 1 fire department, signifying the highest rating achievement granted by the Insurance Services Office (ISO).
An ISO Class 1 rating indicates that LEFD has demonstrated exceptional fire protection capabilities and is well-equipped to handle various emergencies. It suggests that the department has met or exceeded the ISO's rigorous standards in fire response times, training, equipment, water supply, communication, and overall organization.
Obtaining an ISO Class 1 rating can benefit a community and its residents, including potential reductions in insurance premiums for property owners. It also reflects the dedication and professionalism of the firefighters and staff within the department.
The Little Elm Fire Department (LEFD) is a career department providing fire and emergency medical services from three fully-staffed stations. LEFD fire stations are situated strategically throughout the Town of Little Elm to provide the most efficient service response possible. These services are provided by right to residents who live within the Town limits and those in unincorporated areas of Denton County who are under contract (also known as ‘Outside Protection Areas’ [OPA]) through the Denton County’s Office of Emergency Services.
Effective September 1, 2016, residents living in the incorporated limits of the Town of Little Elm or the Little Fire Department’s OPA will have an ISO PPC 1/1Y rating. Those properties in Little Elm Fire Response District must meet the following criteria for an ISO PPC Class 1:
Within five road miles of a fire station AND 1000 feet of a fire hydrant.
An ISO 1Y PPC rating will be given to protected properties within five road miles of a station and NOT within 1000 feet of a hydrant. Properties NOT within five road miles of a fire station and have a hydrant within 1000 feet of their property are classified as ISO 10W.
Hydrant locations can be readily determined by physical measurement by an insurance company if necessary. Driving directions from most online mapping programs can determine the approximate distance between a protected property and the closest fire station.
Little Elm Fire Station 1: 88 West Eldorado Parkway, Little Elm, TX 75068
Little Elm Fire Station 2: 2301 Walker Lane, Little Elm, TX 75068
Little Elm Fire Station 3: 1801 Navo Road, Little Elm, TX 76227