The Insurance Services Office provides a scoring system that rates how a fire department performs in their community. Scores range from 1 to 10, with 10 being low and indicating no fire protection. A fire department’s score is based on factors such as response times, staffing, available equipment, and service to the community. In 2017, when the collaborative Fire Authority was created, both fire districts improved to a score of 4. Some insurance companies use the ISO rating as a factor when setting homeowner insurance rates.