Duck Fire Receives Improved Rating Following Recent Inspection

Date Posted: April 25, 2016
Duck, NC  — North Carolina Insurance Commissioner and State Fire Marshal Wayne Goodwin released news that following the recent completion of routine inspections for the Duck Fire District, Duck Fire improved their rating from 4 to 3, effective August 1, 2016.  The inspection, conducted by officials with the Department of Insurance Office of State Fire Marshal (OSFM), is required on a regular basis as part of the North Carolina Response Rating System (NCRRS).  Among other things, the routine inspections look for proper staffing levels, sufficient equipment, proper maintenance of equipment, communications capabilities and availability of a water source.

The NCRRS rating system ranges from 1 (highest) to 10 (not recognized as a certified fire department by the state), with most rural departments falling into the 9S category.  While lower ratings do not necessarily indicate poor service, a higher rating does suggest that a department is overall better equipped to respond to fires in its district.  Higher ratings can also significantly lower homeowners insurance rates in that fire district.  Rates on dwellings (including those insured under Homeowners Policies) are established by the North Carolina Rate Bureau.  OSFM is advising the Rate Bureau of the change.  The Class 3 rating will be effective on 08/01/2016.

“I’d like to congratulate Chief Donna Black for the department’s performance and for the hard work of all the department members,” said Commissioner Goodwin.  “The citizens in the Town of this district should rest easy knowing they have a fine group of firefighters protecting them and their property in case of an emergency.”

State law requires OSFM officials to inspect departments serving districts of 100,000 people or less, which makes up all but six of the state’s fire districts.  For more information, visit