1. ISO RatingCouncil Presentation
Of
ISO and the City of Kalispell
L Present ISO Situation
a. Present number of stations
b. Present number of fire department personnel and assignments
c. Area of fire department coverage
d. ISO rating at present
1. Past ISO ratings
2. How we got to the present rating
2.Future of the ISO rating
a. Number of stations that will be needed.
1. Cost of the land
2. Cost of the building
3. Cost of equipment
b. Number of personnel needed
1. Cost of recruiting
2. Training costs
3. Increased costs related to more people
4. Other items needed to improve the rating
3. Changes need to improve the ISO rating
a. Council
b. Voters of the city
c. Fire Department
'A/
MEMO
To: Honorable Mayor William E. Boharski
Interim City Manager Al Thelen
Kalispell City Council Members
From: Assistant Fire Chief Orland Leland
Date: March 4, 1999
Re.: ISO Rating
With the renewed interest in the ISO Rating, the following is a history of the rating.
In 1993 the City was rated a Class 6. With the negotiations of Manager Williams and Chief
Waggener, the rating was lowered to a class 5. A continuation of where the City had been
previously.
In the last six years the annexation of property to the City, the lack of additional man power -
(presently at the same number as 1974) and the increase in distance and time the department feels that
it would be very doubtful if the City could maintain the 5 rating if we were re -rated.
In order to go from a Class 5 to a Class 4, the department feels that it would take all of the following:
1. Increased Manpower
2. A Second Station
3. Improved Training Facility
4. More Equipment
5. Improved Dispatch System
v�
Post Office Box 1997 - Kalispell, Montana 59903-1997
Telephone (406) 758-7700 - FAX (406) 758-7758
Mayor, City Manager, and City Council
Page 2
March 8, 1999
Cost of Second Station
Need Approximately 5,515 Square Feet Building One Time Cost
Two Bay Building
Office and Fireman Quarters, 1,628 square feet
Turn Key Building cost approximately $600,000
$551,000 to $689,000 (Does Not Include Training Tower)
Annual Cost
Total Cost of a Firefighter ($46,664) $466,640
Number of Firefighters (10)
Cost to Equip New Firefighter ($2,000 each) $ 20,000
Cost of Land to be Determined
Approximately Two Acres Needed ($75,000-$100,000) $ 85,000
Annual Cost of Operation 14,000
Total Estimated Cost $705,000 $480,640
If one divides the estimated one time cost by 20 years, we have an annualized one-time cost of
$34,850 and an annual cost of $515,490. Estimated insurance premiums on page show an annual
savings of $961,987 and would indicate that the City needs to continue to investigate this issue.
April 25, 1996
Rating Service:
t Falls
ISO Commercial Risk Sevices
1355 So. Colorado blvd.
Suite 306
Denver, CO 80222
1-800-759-3512
Cities and their protection class
Protection Class 2
Protection Class 3
Billings Libby
Protection Class 4
Bozeman Lewistown Livingston Missoula
Sidney
Protection Class 5
Baker
Big Timber
Butte
Bridger
Coram
Columbia Falls
Cut Bank
Evergreen
Ft. Smith
Glascow
Glendive
Hamilton
Harrison
Helena
Havre
Joliet
Kalispell
Miles City
Malstrom
Polson
Red Lodge
Round UP
Scoby
Shelby
Sheridan
Whitefish
Wolf Point
ANNUAL REPORTS TOTALS
AMBULANCE RUNS
FIRE RUNS
FIRE LOSS
1988 1084
216
$143,950
1989 1259
216
$92,325
1990 1402
235
$144,085
1991 1528
207
$162,140
1992 1706
204
$95,300
1993 1731
246
$1,124,930
1994 1786
210
$430,775
1995 1873
236
$121,750
1996 1884
1"
$221,600
1997 2035
219
$299,180
1998 2045
248
$129,550
9- 2g -9-9
%-% 165L due- / F,,r2
/770,me ) b a b� 2 CAI late
9CO�Tle ,.w
6 tate of Montana
Mare Racicot, aovenwc
? � Lxo.' / / G/�
TAXING JURISOICTION
CERTIFIED TAXABLE.,VALUE
COUNTY
sS's-I cqg, .z., y
MARKET VALUE
TAXABLE VALUE
DNS Mf ab�c value
3-`y-Q
fix 2�.tZ& 10A.4 ..a" • 4I's-f
Taxable Val Pion Preparer Date
NOTE: These values are subject to normal corrections and appeal adjustments. This taxing
jurisdiction will be notified, in writing, if a major change in the value occurs.
Aq
Sam W. MitcheU Building' (4061444-UOO Helena, Mgntana 59620
'M Equal OpposWnhy F.MPIOYcr"
ISO CLASS AFFECTS ON INSURANCE PREMIUMS (Estimates Based on National
Average)
If Class 10 pays $1.00 for insurance:
Class 9 pays
.93
Class 8 pays
.72
Class 7 pays
.68
Class 6 pays
.65
Class 5 pays
.63
Class 4 pays
.60
Class 3 pays
.58
Class 2 pays
.55
Class 1 pays
.53
7% savings from Class 10
28% savings from Class 10
32% savings from Class 10
35% savings from Class 10
37% savings from Class 10
40% savings from Class 10
42% savings from Class 10
45% savings from Class 10
47% savings from Class 10
Each insurer sets its own rates and most will vary from the above percentages.
TYPICAL INSURANCE PREMIUMS BASED ON INSURABLE VALUE (Local Average)
Insurable Value of Community:
BUSINESS
$642,000,000.00
RESIDENTIAL
$1,127,07 L670.00
Premium on your community at Class 5:
$ 1,714,140.00 $ 3,944,609.00
Premium on your community at Class 4:
$ L422,736.00 $ 3,274,026.00
Fire Department Budget *includes capital outlays
Savings from Class 5 to Class 4
M lv,7;1�
TOTAL
$1 769,071,670.00
$ 5,658349.00
$ 4,696,762.00
$ L081,091.00
$ 961,987.00
A
Commercial Risk Services, kv- • 1355 a Colorado Blvd • Suite 306
ver, CO 80222 • (303) 759-3511 • (8W) 759-3512 • FAX (303) 759-0742
li"g ,e- c h et" es
Grading Sheet Kalispell. Montana
Public Protection Class: , 6 Surveyed: June, 1993
Feature
Credit
Assigoed
Maxamtan
it
Receiving and Handling Fire Alarms...
5.16%
10.00%
Fire Department ......................
15.55
50.00
Water Supply .........................
35.35
40.00
*Divergence...........................
. 11,46—
Total Credit
44.60%
100.00%
The Public Protection Class is based on the total percentage credit
as follows:
1
2
3
4
5
6
7
8
9
10
90.00 or more
80.00 to 89.99
70.00 to 79.99
60.00 to 69.99
50.00 to 59.99
40.00 to 49.99
30.00 to 39.99
20.00 to 29.99
10.00 to 19.99 -
0 to 9.99
*Divergence is a reduction in credit to reflect a difference in the
relative credits for Fire Department and Water Supply.
The above classification has -been developed for fire insurance rating
and/or loss cost purposes only.
A subsidiary of Insurance Services Office, Inc,
INSURANCE
SERVICES
OFFICES
INC.
`�1
I I 1 N. CANAL STREET SURE $50 CNKAM 606016.7M 93121 9304M
1600 W-4354 FALL• 13121
9304017
November 5, 1996
Mr. Orland Leland, Assistant Fire Chief
Kalispell Fire Department
336 1st Avenue East
P.O. Box 1997
Kalispell, MT 59903-1997
Dear Chief Leland:
We are enclosing a copy of the Classification Details in response to your recent request, These
details cover the items which are reviewed in our Fire Suppression Rating Schedule, and which
are of importance in determining your fire insurance classification.
These Classification Details were developed using the information obtained during our 1994
survey, and consider that conditions in your city have remained the same.
They refer only to the fire insurance classification of your city, which may be used in the
calculation of property insurance premiums, and are not for property loss prevention or life safety
purposes.
The city classification applies to properties with a needed fire flow of 3500 gpm or less. The
private and public protection at properties with larger needed fire flows are individually evaluated,
and may vary from the city classification.
The formula for calculating divergence is as follows:
.5 X [(Item 640) - .8 X (Item 590)]. Which for Kalispell is as follows .5 X [35.35 - .8
X 17.95] =10.50.
Please contact us if you have any questions concerning the enclosed material.
Very truly yours,
Michael Ramirez
Customer Service Representative
Encl.
CLASSIFICATION DETAILS
.cipality: KALISPELL State: MT
,pulation: 11801 Date Surveyed: 8/94
Total Credit: 50.46 Class: 5
RECEIVING AND HANDLING FIRE ALARMS
This section of the Fire Suppression Rating Schedule reviews the
facilities provided for the general public to report fires, and for
the operator on duty at the Communication center to dispatch fire
department companies to the fires.
CREDIT
ACTUAL MAXIMUM
1. (Item 414) Credit for Telephone Service
This item reviews the facilities provided
for the public to report fires, including
the listing of fire and business numbers
in the telephone directory.. 2.00 2.00
2. (Item 422) Credit for Operators
This item reviews the number of operators
on duty at the communications center to
handle fire calls. 2.16 3.00
3. (Item 432) Credit for Dispatch Circuits
This item reviews the dispatch circuit
facilities used to transmit alarms to
fire department members. 3.50 5.00
4. (Item 440) Total Credit for Receiving
and Handling Fire Alarms 7.66 10.00
Relative Classification for Receiving and
Handling Fire Alarms
07/91
- Page 1 -
CLASSIFICATION DETAILS (continued)
3
►7
i
FIRE DEPARTMENT
.his section of the Fire Suppression Rating Schedule reviews the
engine, ladder and service companies, equipment carried, response
to fires, training and available fire fighters.
CREDIT
ACTUAL MAXIMUM
1. (Item 513) Credit for Engine Companies
This* item reviews the number of engine
companies and the hose and equipment
carried. 4.51 10.00
2. (Item 523) Credit for Reserve Pumpers
This item reviews the number of reserve
pumpers and the equipment carried on
each. 0.39 1.00
3. (Item 532) Credit for Pump Capacity
This item reviews the total available -
pump capacity. 5.00 5.00
4. (Item 549) Credit for Ladder Service
This item reviews the number of ladder
and service companies and the
equipment carried. 1.41 5.00
5. (Item 553) Credit for Reserve Ladder Service
This item reviews the number of reserve
ladder and service trucks, and* the
equipment carried. 0.38 1.00
6. (Item 561) Credit for Distribution
This item reviews the percent of the built -
upon area of the city which has a first -due
engine company within 1 1/2 miles and a
ladder service company within 2 1/2 miles.2.12 4.00
7. (Item 571) Credit for Company Petsonnel
This item reviews the average number of
equivalent fire fighters and company
officers on duty with existing companies.. 2.43 15.00+
8. (Item 581) Credit for Training
This item reviews the training facilities
and their use. 1.71 9.00
9. (Item 590) Total Credit for Fire Department 17.95 50.00+
Relative Classification for Fire Department 7
+ This indicates that credit for manning is open-ended, with no
maximum credit for this item.
07/91 - Page 2 -
0
CLASSIFICATION DETAILS (enntinued)
WATER SUPPLY
This section of the Fire Suppression Rating Schedule reviews the
water supply system that is available for fire suppression in the
municipality.
CREDIT
ACTUAL
MAXIMUM
1. (Item 616) Credit for the Water Systen
This item reviews the supply works, the
main capacity and the hydrant distribution.
32.06
35.00
2. (Item 621) Credit for Hydrants
This item reviews the type of hydrants
and the method of installation.
1.90
2.00
3. (Item 631) Credit for I-n9pection and
Condition of Hydrants
This item reviews the frequency of
inspections of hydrants and their
conditions.
1.39
3.00
4. (Item 640) Total Credit for Water Supply
35.35
40.00
Relative Classification for Water Supply 2
07/91 - Page 3
CLASSIFICATION DETAILS
inicipality: KALISPELL
Population: 11801
Total Credit: 50.46
State: MT
Date Surveyed: 8/94
Class: 5
SUMMARY OF CREDIT
Credit Maximum
Feature Assigned Credit
Receiving and Handling Fire Alarms .............. 7.66 10.00
Fire Department ................................. 17.95 50.00
Water Supply ........ :........................... 35.35 40.00
*Divergence ...................................... •10.50
Total Credit- 50.46 100.00
The Public Protection Classification is based on the total percentage
credit as follows:
Class Percentage Credited
1
90.00
or
more
2
80.00
to
89.99
3
70.00
to
79.99
4
60.00
to
69.99
5
50.00
to
59.99
6
40.00
to
49.99
7
30.00
to
39.99
8
20.00
to
29.99
9
10.00
to
19.99
10
0
to
9.99
*Divergence is a reduction in credit to reflect a difference in the
relative credits for Fire Department and Water Supply.
The above classification has been developed for use in property
insurance premium calculations.
07/91
- Page 4 -
r'1
Community Name (Fire Protection Area): C, n n 16 T Q. l l
r—
County: l'" L X -ea d
General Information
State: 79 r,-/ a
1. What is the current population? _ y %qL (/49 7 e5-r
2. What is the current area? q _ square miles
3. Have there been any changes to the boundaries of your area as shown on the enclosed map? YES NO
IF THERE HAVE BEEN CHANGES, PLEASE SHOW THE NEW BOUNDARIES BY DRAWING
A RED LINE AT THE APPROPRIATE LOCATION ON THE ENCLOSED MAP.
Fire Alarm/Communications
1. What is your Emergency Phone Number? ( ) f / %
2. Where are phone calls for fires received and dispatched? Briefly describe: c% / % Ca L S rP (-;ewe d
KG, 1 I i� �l:C ))i5,?ZL 1 Ce,�Trr o nrC1 a i �cnl �J JS caul✓ t� /� . S45(c'M
rAjio
3. How many fire alarm dispatch personnel are normally on duty to receive fire calls?
4. How are fire department members notified of a fire alarm? Check all applicable.
Voice Pager
'LJ Outside Siren
X—Home RadioF-meatnmm PC eccTrd d
❑ Station CAD inters
❑ Direct Phone to Fire Station
® Station Radio
0 Alpha Numeric Pager
❑ Outside Air Hom
El Telegraph System
❑ Facsimile Setup
X Station Voice Alarm
❑ Other, Describe:
0 1998, INSURANCE SERVICES OFFICE, INC.
Fire Department
1. Name of Fire Department: _ LL F�*r-c D4Do7—,ne-."7—
2. List the number of responses for the past calendar or fiscal year as follows:
Total responses = 2 2 5g1 Total Structural Fires
3. List the Number of Active Department Members:
Paid/Career 2 / Volunteer _
Paid on Call
4. Please provide a Fire Station Information Sheet for each fire station in your community.
PLEASE VERIFY THE LOCATION OF ALL YOUR FIRE STATIONS ON THE ENCLOSED MAP.
MARK NEW OR RELOCATED STATIONS WITH A RED "X". CROSS OUT ANY CLOSED FIRE STATIONS AND
WRITE "CLOSED" OVER THE EXISTING "X". IF A FIRE STATION OPERATES ONLY DURING PARTS OF THE
YEAR, WRITE -SEASONAL" OVER THE EXISTING "X".
5. Is a service test from draft performed for your Pumpers on a regular basis?
® Yes ❑ No If yes, how many minutes is this conducted? yn M ;,
6. Is an operational load test performed for your Aerial Devices on a regular basis?
® Yes ❑ No If yes, who does the test? ; ors 4 e c1 rvsoe CTi ,� N � � l.✓ C .
7. Is a nondestructive test performed for your Aerial Devices on a regular basis?
® Yes ❑ No If yes, who does the test? r7#jp a � au,r CC, n"1-9 ri S
8. is your hose service tested? Z Yes a No
If yes, list the last 3 dates (years) that the hose was tested: /2 9 1 / 99 7. /99 S
What pressure is the hose tested to: 3 O 0 PSI.
If you have large diameter hose, what pressure is this hose tested to? PSI.
9. Does your community receive any First Alarm Automatic Aid from any fire departments
that are located outside of your area? _1 Yes N No
If yes, please provide the following information:
Fire Department/Station providing the coverage:
Location of assisting fire station:
Is assistance received on a 24 hours basis? ❑ Yes ❑ No
Is there a contractual agreement for this assistance? ❑ Yes ❑ No
Please outline on the enclosed map the areas covered by this assisting fire station or describe:
10. Do you have any or use any of the following training facilities:
Structural Bum Building? ❑ Yes X No
Drill Tower? X Yes 7 No
How often are these facilities used each year?
Who operates the training facility?
11. What is the average number of training hours per year that EACH member of your
department receives? /S-O Hours.
0 1998, INSURANCE SERVICES OFFICE, INC.
Fire Station information Sheet
(Please provide a separate sheet for each fire station)
Fire Station Name: 1<11' S1Jr// F r t " 9 f Fire Station Number.
Fire Station Street Address: (Please be specific and inclade the nearest cross street)
3 c t1 1 c
/S 7L 14a'-, E-, N�•rr� S 5C,OSJ{. V4 57, G
Does this station operate all year long? ® Yes ❑ No
Please mark the enclosed nwp with a red " X" and Fire Station Number to show the location of this station.
Fire Apparatus - Pumpers: (Use additional sheets for extra apparatus)
A. Unit number % Year Built / 9 % Chassis/Body Make G ru ,�, a i.► /h ac �'
Pump size / S o o GPM, Water Tank size 400 Gal.
List amount of hose carried: 1 1/2" C G ft., 1 3/4" 4/00 ft., 2" ft., 2 1/2" ft ,
3" / y00 ft., 3 1R" ft., 4" ft , 5" ft.
Is a deck pipe, deluge set, or monitor carried rated to flow at least 1000 GPM' ® Yes ❑ No
Dates (year) of last 3 service tests from draft: / 9?6 997,
B. Unit number a Year Built Chassis/Body Make y Sk i o r
Pump size /25-0 GPM, Water Tank size Soo Gal.
List amount of hose carried: 1 1/2" �(!> ft., 1 3/4" yOO ft., 2" ft., 2 1/2" Da ft.,
3" 700 ft., 31/2" ft., 4" ft., 5" ft.
Is a deck pipe, deluge set, or monitor carried rated to flow at least 1000 GPM? ® Yes ❑ No
Dates (year) of last 3 service tests from draft:
What is the average staffing level of the above apparatus for structural fires?
(Paid) (Volunteer)
Fire Apparatus - Aerial Laddem/Platforms (Use additional sheets for extra apparatus)
Unit number /l c ./' r I Year Built / 9 7 ell- Chassis/Body Make .Sea a ✓ o T.Z
Type of Unit / c,�t4 r 3& e r4 O— Length of Aerial Device F S Feet
Pump size / .;? s'o GPM, Water Tank size o? S Gal.
How many self-contained Breathing Apparatus (Masks) are carried? 3
Dates (year) of last 3 operational load tests:
Date (year) of the last nondestructive aerial device test:
What is the average staffing level of the above apparatus for structural fires?
(Paid) (Volunteer)
Fire Apparatus - Tankers (Water Tenders) (Use additional sheets for extra apparatus)
Unit number Year Built Chassis/Body Make
Pump size GPM, Water Tank size Gal.
--List amount of hose carried 1 1/2" ft , 1 3/4"
3" ft, 31/2"
Other Fire Apparatus (Use additional sheets for extra apparatus)
Unit number Year Built
Type of Unit
Special structural firefighting equipment carried
Chassis/Body Make
2 1/2-
5-
Water Supply
Does your area have fire hydrants connected to a water system? Z Yes ❑ No
If yes, who owns the hydrants and water system: .r,4b:z- L
2. Does your area have dry fire hydrants or suction points? ❑ Yes X No
If yes, please provide an address list of these locations or plot them on the enclosed map.
3. How often are fire hydrants inspected? f 7'YU�L
4. Describe any major changes to the water system(s) in the past 5 years:
5. Please provide the results of any Hydrant Flow Tests in the past 5 yeaig., .
Hydrant Flow Tests enclosed ? LxYes ❑ No
6. Please provide a current community Hydrant Map.
Hydrant Map enclosed? Yes ❑ No
If you cannot provide a Hydrant Map or Flow Test results but can refer us to the individual in your community who could
provide this information, please note their name below.
Hydrant Map can be obtained from:
Telephone Number.
SURVEY COMPLETED BY:
Title:
Date Completed:
Phone: (
Please return survey in the enclosed envelope to:
PPC Coordinator
Insurance Services Office, Inc. OR
111 North Canal Street, Suite 950
Chicago, IL 60606-7270
PPC Coordinator
Insurance Services Office, Inc.
4B Eves Drive, Suite 200
Marlton, NJ 08053-3112
n Irmo I.Ict is 6KIrc CCGVIreC nccirrc IAlr