FOR IMMEDIATE RELEASE
December 19, 2023
Louisiana Department of Insurance Announces Fire Rate Reductions for the Second Half of 2023
Insurance Commissioner Jim Donelon announced that several fire districts have received improved fire ratings between July and December 2023. Improved fire ratings may lead to reduced fire insurance premiums for property owners in the associated area.
Fire protection grading is promulgated by the Property Insurance Association of Louisiana (PIAL) and approved by the Commissioner of Insurance. All fire districts are graded on a scale of 1 to 10 by PIAL, with 10 representing no fire protection and 1 representing the best level of protection.
The PIAL considers several factors when determining a district’s grading, including the number of dispatchers on duty, the number of firefighters and fire trucks, and the availability of water.
There were no fire rating improvements in September 2023. Policyholders in the affected areas should contact their insurance producer if they have questions about how these improvements may affect their fire insurance premiums.
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Effective July 2023
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Parish
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Fire District
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Area Included
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Protection Rating Class Improvement
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Catahoula
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Jonesville
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Within Corporate Limits
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Class 6 to 5
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Franklin
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District 3
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Outside Corporate Limits of Baskin-North
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Class 6 to 5
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Grant
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District 4
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Georgetown Area
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Class 10 & 9 to 7
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Effective August 2023
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Parish
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Fire District
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Area Included
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Protection Rating Class Improvement
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Assumption
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Napoleonville FPT
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Napoleonville Area
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Class 5 to 4
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Bossier
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Northeast Bossier District 5
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Bollinger, Redland, Carterville, Mott & Ivan Areas
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Class 4 to 3
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Washington
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District 5
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Angie Area
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Class 6 to 5
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Effective October 2023
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Parish
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Fire District
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Area Included
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Protection Rating Class Improvement
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Ascension
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Fire District 1 East Bank
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East Bank Excluding the Corporate Limits of Gonzales, Sorrento & the Prairieville Area
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Class 5 to 4
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Effective November 2023
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Parish
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Fire District
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Area Included
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Protection Rating Class Improvement
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Rapides
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Alexandria
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Within Corporate Limits
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Class 2 to 1
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St. Helena
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South Second Ward District 1
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West of Greensburg
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Class 10 to 7
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Effective December 2023
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Parish
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Fire District
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Area Included
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Protection Rating Class Improvement
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Franklin
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Crowville District
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Crowville & Swampers Areas
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Class 6 to 5
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Franklin
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District 4
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Outside Corporate Limits of Gilbert & Wisner
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Class 7 to 6
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About the Louisiana Department of Insurance: The Louisiana Department of Insurance works to improve competition in the state’s insurance market while assisting individuals and businesses with the information and resources they need to be informed consumers of insurance. As a regulator, the LDI enforces the laws that provide a fair and stable marketplace and makes certain that insurers comply with the laws in place to protect policyholders. You can contact the LDI by calling 1-800-259-5300 or visiting www.ldi.la.gov.