April 14, 2021

Indian Hills Residents

The office of the Cuba Fire Protection District has been receiving numerous calls from both residents and Insurance Companies inquiring about Fire Ratings changes.  This letter will hopefully answer any questions you may have and to clarify any confusion that may be happening.

The Fire Protection Class is determined by ISO which is a national company that reviews Fire Departments on several factors, and they are “graded” depending on the outcome of this review. This process happens usually every 5 years or when a major change has happened to the District that may cause a “grade” change.

The Cuba Fire District was last visited by ISO in 2017 with the following classification. 5/5X The class 5 will encompass everyone within the City limits of Cuba or within 1000 feet of a pressurized fire hydrant.

The 5X will include basically everyone else that is Protected by the Fire District outside of Cuba city limits. The difference is that there is no dedicated water supply therefore water must be hauled by the Fire District to fires in these areas.

The Indian Hills Lake community does have dry hydrants available for us to pull water from the lake if needed. The Fire District is also capable of drafting water from most coves in the lake as well. The Dry hydrants are not recognized by ISO for fire protection.

We again want to make it clear that there has been nothing changed to the Districts ratings since 2017. If you are contacted by your insurance company stating your rates are increasing because of a change to the fire department they are incorrect. As most are fully aware there is a big difference in the quality of insurance companies just as much as there is anything you would purchase. We will not and do not endorse any company but ask that you do your homework and shop around before committing to this important financial burden for you household. As we all hear in anything we do in life, the old saying of it sounds to good to be true then it probably is, and unfortunately applies to insurance as well.

We hope that this may help in clarifying and questions or confusion that may come up about the Fire District.

If you have any questions, please contact us at 573-885-3366

Sincerely,

Mike Plank

Chief