Fort Walton’s Insurance Service Organization (ISO) rating is a 3. Traditionally, the insurance industry utilizes a fire protection ISO rating as one of the factors they use in determining commercial and residential fire insurance rates for consumers. The rating surveys a variety of factors including water supply infrastructure, types and maintenance of protection equipment, firefighting staffing and training, station locations, dispatching systems, etc. Fire departments are then assigned an ISO rating, beginning with the highest of 1 through the lowest of 10. ISO 3 is an excellent rating that saves our citizens money on insurance costs.