State Representative Colin W. Jack - District #73

State Senator Don L. Ipson - District #29

State of Utah Department of Insurance - John Pike, Commissioner

KUTV Story re: Fire Insurance problem in Utah

Has your insurance agent told you that your insurance premium is increasing since Stone Cliff is in a fire zone?

Historically, insurance companies have used the "Protection Class" method to rate your Homeowner policy's fire hazard. Most homes that are not in brush zones are rated PC-3 - in fact, my current Homeowner's Policy has used PC-3. Click here for more information on Protection Classifications. In my experience, Protection Class 1-3 have the same rates. The only PC-1 I ever saw was actually the city of Vernon, which is, as many of you know, mostly concrete.

After speaking with my Agent today, it appears that insurance companies are also using FIRMS in their underwriting. FIRMS US/CANADA Fire Map.

2/26/25 Update: Find the wildfire risk near you | usatoday.com Thanks to the homeowner who told me about this link.

My agent said she is actively involved in working with her carriers to be more realistic when rating Homeowner (Fire) policies in St. George.*

*UPDATE*

1/22/2025 I called SGFD and inquired regarding which Fire Station responds to our neighborhood. I was told Station #6 is the primary responding station, with Fire Station #1 as the "backup".

I also asked when the last time our fire hydrants were inspected. I was told that they are supposed to be checked annually, but it has been 19 months since the last inspection. Due to this, I was informed that we have been "moved up" in the list, and the inspections should be done soon.

2/26/25 - I spoke to the Fire Department and asked if our fire hydrants have been inspected. I was told that they have not, and won't be for some time. Seems the fire department is pretty busy these days, and hydrant inspection is not at the top of their list (I understand).

I'll post updates to this page.

Fire Station #6 MAP