The Insurance Services Office (ISO) provides advisory services to insurance companies for underwriting risk and establishing insurance rates in communities. Through the Public Protection Classification (PPC™) program, ISO evaluates municipal fire-protection efforts in communities throughout the United States. In each of those communities, ISO analyzes the relevant data using the Fire Suppression Rating Schedule (FSRS) and assigns a Public Protection Classification from 1 to 10. Class 1 generally represents superior property fire protection, and Class 10 indicates that the area's fire-suppression program doesn't meet ISO’s minimum criteria. In North Carolina, the Office of the State Fire Marshal administers the program for ISO as the North Carolina Response Rating System in communities with populations less than 100,000. A community's protection class rating is among the factors used to determine local residential and commercial insurance rates. The Fire & Rescue Department is an ISO-4 rated municipal agency.