ISO Ratings

2014 Insurance Services Office Rating

For more information see (appendix H)

What is ISO?

ISO is a service that provides rating and other services to property and casualty insurance industries.  The  goal is to recognize the impact that public fire protection has on individual homeowner property fire rates given that fire protection can affect the percentage of loss value that could be expected in the event of a fire. There are 10 categories 10 meaning lowest level of fire protection to a Class 1  (Class 1 = lowest annual property insurance). 



The Tri-Lakes Monument Fire Protection District uses two ratings for our fire district as of September 30, 2014, provided you are within 5 road miles of a fire station and reside within the fire district (a Tri-Lakes Monument Fire Protection District levy is on your annual property tax bill). ISO 's main criteria is mainly performance oriented meaning ratings are largely based on quantity of water a fire department crew can flow water and the duration of the water flow.  Developments with cistern access can qualify as a Class 3 rating providing there is 30,000 gallons of water in the cistern. 


Steps to determine your ISO rating

    1.  Verify with El Paso County Assessors website which fire protection district you are in.  

    2.  Google the distance from your property to the nearest fire hydrant.

    3.  Google distance from your property to the nearest fire station. 


      Click here to see map

Rating      (See ISO Protection Class Brochure)

  • Class 3 for all properties located within 1000' of a fire hydrant

  • Class 3Y for all other properties


If you are beyond 5 road miles from a fire station than you have the following ratings:

  • Class 10W for all properties located within 1000' from a water source

  • Class 10 for all properties located farther than 1000' from a water source


Vehicle Information

Each engine and ladder truck carry three fire extinguishers (dry chemical, CO2 and water) as well as 20 gallons of foam plus 10 additional,


  •  Engine carries 1000 gallons of water ( We have two)

  •  ladder truck carries 300 gallons of water
    Total water brought from TLM units only is 2300 gallons


Mutual aid

We have mutual aid agreements with all of our surrounding fire departments.

Fire Stations

TLMFPD is a career fire department that staffs three fire stations 24-hours a day.

Station 1-18650 Hwy 105                         -Ladder truck and engine  

Station 2-18460 Rollercoaster Road       -Engine                                

Station 3-1855 Woodmoor Drive            -Engine

Response Times

Times are very difficult to predict due to inclement weather. For best estimate, Google distance from the house in question to the nearest fire station.


For more information, contact Division Chief Bumgarner at