Insurance; revise various provisions relating to rating bureau and require commissioner to create certain rules.

HB 1170 updates Mississippi's fire insurance rating system to directly affect municipalities, fire departments (including volunteer and rural units), and insurers. It requires the rating bureau to evaluate fire trucks based on condition and maintenance (not age), consider all water sources (like ponds/lakes) when grading fire departments (with a minimum 250 gpm standard), and use a 7.5-mile response distance from fire stations. The bill also mandates new rules for selling fire trucks, requiring local entities to have first priority before out-of-state sales, and prohibits insurers from raising rates above the bureau’s base rates. These changes aim to standardize fire risk assessments and ensure fairer insurance pricing for communities.