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, the ISO rates municipal fire-protection efforts in communities throughout the United States. In each community, the ISO individually evaluates the fire suppression force (50%), the water delivery system (40%), and the 911 communications (10%) using the Fire Suppression Rating Schedule (FSRS), and then assigns an overall public protection classification from 1 to 10 based on the compiled data. 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 (OSFM) administers the program on behalf of the ISO as the North Carolina Response Rating System in communities with less than 100,000 population. A community's protection class rating is among the factors used to determine local residential and commercial insurance rates. On January 14-15, 2019, representatives from OSFM conducted a rating inspection of Shelby and awarded the city an ISO Class 2 public protection rating.