The Property Insurance Association of Louisiana (PIAL) has completed the Public Fire Protection Classification review for the City of Lake Charles and issued a Class 1 rating to residential and commercial properties located in the City.
This marks the first time the City has achieved a Class 1 rating, improving from its previous Class 2 designation. The Lake Charles Fire Department is also one of only 10 municipal fire departments in the state to earn this distinction. Most importantly, the Class 1 rating may lead to reduced fire insurance rates for property owners.
“This Class 1 rating is a major milestone for the City of Lake Charles and a reflection of the strategic investments we’ve made in our infrastructure and public safety systems,” says Mayor Marshall Simien. “Our residents and businesses deserve the highest level of protection, and this achievement demonstrates our commitment to building a safer, stronger community. We’re proud of the work that has gone into earning this distinction and the potential savings it may bring to our citizens.”
The purpose of the survey is to gather information to determine the proper Public Fire Protection Classification of the City and the classification is used by member companies of the PIAL to develop fire insurance premiums.

“I congratulate the City of Lake Charles and Lake Charles Fire Department for earning this Class 1 rating,” says Insurance Commissioner Tim Temple. “These improvements to the City’s emergency response capabilities and water system send a clear signal to the market that Lake Charles is committed to public safety, which can lead to lower property insurance premiums by reducing the risk of fire loss. I encourage every resident and business owner in Lake Charles to shop around by contacting multiple agents and insurance companies to take full advantage of this new rating.”
PIAL cited the City’s improvements to hydrants, water service and other applicable factors as the reason for the higher fire rating.
“This Class 1 rating is the result of years of hard work, coordination and investment in our fire department, water system and emergency response capabilities,” Chief Delton Carter explains. “From improved hydrant coverage to enhanced training and equipment, our team remains committed to providing the highest level of service to the citizens of Lake Charles. This recognition reinforces that commitment and motivates us to continue raising the bar.”
The Class 1 rating goes into effect on June 1, 2026.
For more information, call Lake Charles Fire Administration at (337) 491-1360.