"Of the approximately 105.5 credit points in the Fire Suppression Rating Schedule (FSRS), 50 are based on the fire department evaluation. The three items that receive the largest amount of available credit are company personnel, distribution or deployment analysis, and training. People are important. The number of personnel available for response, their amount of training, and the time it takes to get the right equipment in place for fire suppression activities all largely affect the reduction of loss associated with protected risk. Engine companies: The Insurance Services Office compares the number of in-service pumpers and the equipment carried with the number of needed pumpers and the equipment identified in the FSRS. The number of needed engines depends on the basic fire flow, the size of the area served, and the method of operation. Reserve pumpers: The Insurance Services Office evaluates the number of reserve pumpers and their pump capacity; other factors include hose and equipment carried."
Coffee Break Training - Fire Protection Series No. FP-2015-3
United States Fire Administration: http://www.usfa.fema.gov/