Home Owners Insurance and your ISO can save you money.
The Insurance Service Office (ISO) of Texas issues every community an ISO rating classification. The City of Lucas has an ISO rating of #2, which was issued in 2018. Lucas' ISO rating will be reevaluated in approximately 2023.
This rating is determined by evaluating the City’s fire service, the fire services communications (dispatch), and the water system. When you purchase a home, or change insurance companies, the insurance company may ask what the ISO rating is for the city your home or business is located in or what the ISO rating is for your local fire department. In many communities, ISO develops a split classification (for example #1-#10). Generally, the class #1 (in the example) applies to properties within a defined distance of the fire station and within 1000 feet of a hydrant. ISO generally assigns Class #10 to properties beyond the defined distance.
Be sure to check with your insurance agent and make sure they have your ISO rating at a #2. You can download the City of Lucas' ISO Rating & Approval letters below. Also, ask your agent if they give discounts for Firewise Communities. City of Lucas became the 55th Firewise community in the State of Texas in January 2013.
For more information on Texas classifications, go to the Texas Department of Insurance website https://www.tdi.state.tx.us/fire/fmppc.html .