So when insuring a home, your cost is based on dozens of factors one of which is how close you are to water. Along with this, you are also rated on how close you are to a firehouse. Then, both of those are changed based upon being in an area with a volunteer fire department, or in a paid department. Then, some companies will base it on Protected, Semi-Protected, and Unprotected or a PPC(Public Protection Class) number rates of 1-10. Often a PPC 4 is an area with hydrants within 1000' of your home and this is likely also called protected. But, as soon as you do not have access to a hydrant you are likely a 5-9 or "semi-protected," assuming you are within 5 miles of a fire station. But, that number can change based on the equipment available. If you happen to have a 10 or an "unprotected," you are likely over 5 miles from a fire station and definitely have no hydrants. Yes, it does get tricky since you might technically be close to a station BUT that station may not be responsible for responding to a fire at your home. Depending on your home, coverage, deductibles, and overall price, the difference between protected and semi-protected could be as little as $20 but certainly $100+.But I have a standpipe? But I have a pond? More times than not, this doesn't matter. If you have an alarm that reports to a central station or even just ring locally, you'll likely receive a discount, but that won't be worth as much as the peace of mind you just bought yourself. So, be sure to check your policy and if you can, maybe double-check with your fire department to make sure they have updated their information with ISO.