Fire Factors
Cambridge is one of the oldest cities in America. It's packed with people from block to block.
Housing ranges from precarious, blaze-prone clapboards to cavernous high-rises.
Adding to the potential danger are the dozens of companies producing hazardous waste, and the universities with complex chemical laboratories.
Subways, too, are prone to fire. Underground water systems blow manhole covers 50 feet into the air.
Since insurance rates are based in part on how well cities can respond to potential disasters, and the above factors affect the fire department more than any other city agency, the fire department's quality is a major factor in insurance rates.
To help insurance companies zero in on rates, the New-York-based Insurance Services Office assesses fire departments around the country. That's the ISO of Cambridge's ISO Class One designation.
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