Last Updated:  05/26/08  
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CASPERS ISO Initiative


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What does CASPERS stands for? Caring, Aiding, and Supporting People in Emergency Rescue Services. It is not an organization, but simply a name used to express an idea, and goal.
The goal of this ISO Initiative is to save money, lives, and property by promoting higher ISO Class ratings through better fire services.
The Insurance Services Office, Inc (ISO) rates fire departments across the US on a scale of 1 to 10--Class 1 is the best, and Class 10 is the worst.  These ratings are used by insurance companies to help determine insurance premiums.
The information below was compiled on February 5, 2005
The Houston Fire Department went from a very respectable ISO Class 3 rating to an ISO Class 1 rating. This action saves homeowners $401 million per year, and an estimated $1.2 billion for commercial property owners per year. Using this example, the whole country could save over $200 billion per year.

Many fire departments in the US are below ISO Class 3 (49 are Class 1, 351 are Class 2, 1,355 are Class 3, and 44,148 are Class 4 or lower). This means greater savings for those communities.

Notes:
Houston is the ONLY ISO Class 1 city of the 30 largest cities in the US.

The States (8) with only one ISO Class 1 fire departments are Georgia, Massachusetts, Missouri, New Jersey, New York, North Carolina, Pennsylvania, and South Carolina.

The States (35) without any ISO Class 1 fire departments are Alabama, Alaska, Arizona, Arkansas, Colorado, Delaware, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Montana, Nebraska, New Hampshire, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming. The total population of those states without any Class 1 fire department is 116,560,022 or 41.4% of the population of the US.

The States (8) without any ISO Class 1, or 2 fire departments are Delaware, Iowa, Minnesota, Montana, North Dakota, South Dakota, Vermont, and Wyoming. The combined population of these states is 12,603,310 or 4.5% of the US.

The population covered by all 49 of the US Class 1 fire departments is less than the population of New York City, or about 2.5% of the population of the US. In other words, over 270 million people in the US are not covered by a Class 1 fire department. The Houston Fire Department population coverage is nearly 30% of the total of all Class 1 cities coverage in the US.

The Houston Fire Department is the largest Class 1 fire department in the world, and serves the 4th largest city in the US. The Tomball Fire Department is one of the smaller Class 1 fire departments, and serves a town of about 9,500. Both of these Class 1 fire departments save money, and demonstrate that large or small size does not prevent a fire department from achieving a Class 1 rating. Further, Tomball is one of three Volunteer Fire Departments in the US with a Class 1 rating, so that as well does not prevent a fire department from achieving a Class 1 rating.

The benefits of better fire services--higher ISO Class ratings.
Saving money through lower insurance premiums
Saving lives and property by having more, and closer fire stations
Stimulating the economy by building more fire stations, by purchasing more fire trucks, by getting more and better firefighting equipment, and through the employment more firefighters.
How to help
Homeowners
Check with your insurance company, and ask what would be the saving, if your fire department were a higher ISO Class (Class 1 to best, Class 10 the worst). Don't forget to multiply this saving by the number of homeowners serviced by your fire department.
Commercial Property Owners
Same as for homeowners
Anyone/Everyone
Talk to, write to, call, email, etc anyone that you have contact with that could help or could be interested.
(Letters to the Editor, News (local, national), your representatives (local, state, or national).
Make inquiries in organizations that you are a member of--coops, condos, corporations, etc.
Media--Newspapers, Radio, and Television
Help more people understand, and become aware of the benefits for better fire services.
Politicians--supporting fire departments through funding, incentives, etc
Letter/Email: One small stop for man, One Giant Leap for Mankind
Contact Information - more in the Reference Section of this site at Elected Officials
Congress.gov - House of Representative, and Senate
House.gov - Home of Representatives
Senate.gov - Senate
Whitehouse.gov - Executive Branch


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