What does the fire insurance rating mean for individual insurance rates?

The Mississippi Fire Insurance Rating Bureau evaluates all fire departments and districts within the state to determine how insurance rates should be applied by insurance companies. The scale runs from one to ten with one being the best rating. There are many factors considered in order to determine the rating. Some of those are area covered by fire stations, apparatus and equipment, training, certifications of various personnel, inspections of commercial properties, water supplies and others. 

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1. How can I dispose of hazardous materials found within my home or garage?
2. What is the fire insurance rating for the City of Southaven?
3. How can I get a permit to burn and what can I burn?
4. What does the fire insurance rating mean for individual insurance rates?
5. Does Southaven require “Right to Know” reporting for hazardous materials in commercial properties?
6. Who do I call when I want to take a fire protection system out of service for repair or maintenance?
7. Who do I call if the fire hydrant is leaking or damaged, or somebody is stealing water from a hydrant?
8. Who do I call if I hear a fire alarm sounding or a fire sprinkler bell ringing?
9. What should I do if my child is playing with lighters, matches, or setting fires?
10. What do I do if I know about any unsafe condition that might cause a fire or other injury or contamination of the environment by hazardous materials?
11. What codes are enforced by the Southaven Fire Department?
12. Do I need to submit plans for review? How long does it take to complete the plan review process?
13. How many sets of drawings are required?
14. Can I obtain a list of permits that are required for construction or operations?
15. How do I schedule an inspection?
16. Is there a process for appealing interpretations of the Fire Prevention Bureau?
17. Does the Southaven Fire Department conduct annual inspections for existing buildings?
18. Can I obtain a list of requirements for the installation of specific items or systems?
19. How can I acquire a fire report from The Southaven Fire Department?
20. How can I acquire an EMS report from The Southaven Fire Department?