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Insurance Services Office, Inc. (ISO), a subsidiary of Verisk Analytics, is a provider of data, underwriting, risk management and legal/regulatory services (with special focus on community fire-protection efforts and Building Code Effectiveness Evaluation) to property-casualty insurers and other clients.  Every few years they come and inspect our FD to see if we meet certain criteria based on personnel training and fire protection equipment.  The inspection of MBVFD went so well that we were able to lower our ISO rating.  The lower the rating, the lower homeowner insurance rates can get.  We were able to lower from a 5 to a 4.  Basically ISO tells insurance providers that based on their inspection they have a high level of confidence in MBVFD ability to provide fire protection for MB, and insurance needs are not as significant as some other towns.