Louisiana City Could See Lower Homeowners' Insurance Rates

BROUSSARD, La. (KPEL News) - The City of Broussard has announced in a press release that the city has improved its Public Fire Protection Classification to Class 2.

Ray Bourque via city of broussard

“Improving the city’s fire rating is the result of our dedication to investing in enhancing our fire protection and upgrading the city’s water system,” said Broussard Mayor Ray Bourque. “This remarkable accomplishment is a testament to the hard work of the Broussard Fire Department and the Public Works Department. Our team effort reflects the city’s commitment to public safety, quality of life, and economic development.”

How The City's Insurance Rates Can Go Down

The state’s fire protection rating system is conducted by the Property Insurance Association of Louisiana (PIAL) and approved by the Louisiana Commissioner of Insurance.

According to PIAL, the new classification may result in decreased fire insurance rates for properties within the city limits of Broussard, except individually rated commercial properties.

“This improved classification reflects our unwavering commitment to enhancing fire safety and protection services,” said Broussard Fire Chief Bryan Champagne. “This is the result of our strategic investments in state-of-the-art equipment, additional staffing, improved response times, and the implementation of best practices in emergency response and fire prevention.”

The fire rating system grades all fire districts in Louisiana on a scale of 1 to 10. 10 represents no fire protection. 1 represents the highest level of protection. PIAL ratings are determined by many factors including the number of firefighters and fire trucks, and the availability of water.

“When I became Mayor of Broussard, our fire rating was a Class 4. We’ve improved two points in five years. Our team earned this and I’m proud,” said Bourque.

The state’s fire protection rating system is conducted by the Property Insurance Association of Louisiana (PIAL) and approved by the Louisiana Commissioner of Insurance. According to PIAL, the new classification may result in decreased fire insurance rates for properties within the city limits of Broussard, except individually rated commercial properties.

The city plans to release details on further upgrades to the water system in the next 30 days.

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Gallery Credit: TRACY WIRTZ