The Insurance Services Office (ISO) grading schedule is applied to many fire departments in most states approximately every 10 years. The purpose of the grading is to aid in calendaring fire insurance rates. It reviews and correlates features of public fire protection that have a significant effect on minimizing fire damage. Basically, the better the fire department the lower the number. In essence, the lower the rating, the lower the insurance rate, assuming the fire insurance company subscribes to the system.
The City of East Lansing is rated 4 out of 10 as of October 2017. Specific questions regarding the schedule of ration can be directed to your insurance agent, a broker, of the State Board of Insurance.