The Insurance Services Office (ISO) gives an urban fire department a rating of 7. Homes in that community will have Question 38 options: 1) lower homeowners' insurance rates compared to homes in a rural area. 2) the same homeowners' insurance rates compared to homes in a rural area. 3) higher homeowners' insurance rates compared to homes in a rural area. 4) flexible homeowners' insurance rates compared to homes in a rural area