When it comes to the cost of homeowner’s insurance, fire ratings can have a sizable impact.

Whenever a homeowner obtains a homeowner’s policy through an insurance agent, they will find out the fire rating for the area in which they live, and this directly impacts the cost of their insurance. The rating is based on a scale of one to 10, with higher numbers meaning worse ratings. A rating of 10 could mean hundreds, even thousands, more in insurance costs for a homeowner.

Every part of Louisiana has a fire rating based on the safety of the area. Red River Parish Fire Protection District currently has a rating of 5. This rating has improved by more than 2 points in the past few years. This rating is a direct result of having a well-trained and reliable staff of firefighters.

Fire protection grading is promulgated by the Property Insurance Association of Louisiana (PIAL) and approved by the Commissioner of Insurance. All fire districts are graded on a scale of 1 to 10 by PIAL, with 1 representing the best level of protection and 10 representing no fire protection.

The PIAL considers several factors when determining a district’s grading, including the number of dispatchers on duty, the number of firefighters and fire trucks, and the availability of water

“Red River Parish Fire Protection District has been working hard each and every day to maintain and upgrade our rating”, said Chief Woodfin. “We are working for everyone in the parish.