For Immediate Release:
October 28, 2025
OID Helps Communities Improve Fire Classifications, Saving Homeowners $22 Million
OKLAHOMA CITY— The Oklahoma Insurance Department (OID) is pleased to announce that its Fire Protection Classification Division, an information and education resource, has assisted many communities all over the state in improving their Public Protection Classification (PPC™) ratings. In 2024, Oklahoma homeowners saved approximately $22 million in insurance premiums thanks to improved classification ratings.
Classification ratings are based upon Verisk’s “Fire Suppression Rating Schedule,” general criteria of the National Fire Protection Association, and the American Water Association codes and standards. The ratings are in classes 1-10, and with each improvement in class rating, residents in those fire protection areas can see 4-8% premium discounts year over year.
“I’m immensely proud of the work our Fire Protection Classification Division has done for Oklahoma communities,” said Insurance Commissioner Glen Mulready. “All of these efforts culminate in dollars and cents savings for homeowners.”
The Fire Protection Classification Division works with fire departments, community leaders, 911 facilities and water services to navigate and maximize the structure fire risk evaluations performed by Verisk to lower casualty insurance premiums for residents and businesses.
Nearly 20% of the over 900 fire protection areas across the state’s 77 counties have received upgraded PPC ratings, improving their classifications in 2024. Since Mulready took office, the number of Fire Protection Class 1 areas has increased from three to nine, an example of how OID’s work has helped communities improve ratings.
For questions about the Fire Protection Classification Division, please contact Lois Spinn at 405-881-9098 or lois.spinn@oid.ok.gov.