"The problem was ACFR [Alachua County Fire Rescue] did not know the financial impact closing a fire station had to its citizens. The purpose was to identify the financial impact to residential insurance rates if a fire engine was removed from service. The descriptive research method was utilized to answer research questions to determine the effect on insurance rates, how fire station location impacted ISO [International Organization for Standardization] ratings, and how insurance underwriters used ISO protection class ratings. A literature review, personal interviews and a survey were utilized. The results supported the hypothesis that insurance premiums would increase if a fire station were closed due to budget reductions. Recommendations included identifying an alternative funding source for the ACFR and educating the public on the impact closing a fire station had on their insurance premiums. ACFR should attempt to pass a fire assessment fee again in the future to secure a reliable funding source."
United States Fire Administration: http://www.usfa.fema.gov/