Ruidoso Policyholders Move from Class 2 to Class 3 Rating

NM Insurance News

Published February 11th, 2026

Detected March 19th, 2026

Summary

The New Mexico Office of the Superintendent of Insurance issued a corrected bulletin regarding Ruidoso's Public Protection Classification. Policyholders in Ruidoso's fire service protection areas will move from a class 2 to a class 3 rating, effective July 1, 2026. Insurers must notify affected policyholders within ninety days of the bulletin's date.

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What changed

This bulletin, an update to Bulletin No. 2026-003, corrects a reference to a previous bulletin and announces a change in the Public Protection Classification (PPC) for Ruidoso's fire service protection areas. As notified by ISO, policyholders in these areas will transition from a class 2 rating to a class 3 rating, with the change intended to be effective July 1, 2026. This change is significant as it impacts the risk classification for residential property and casualty insurance policies.

All residential property/casualty insurers with policyholders in the Ruidoso FSPAs must provide written notice to these policyholders within ninety days of the bulletin's issuance date (February 11, 2026). The notice must inform policyholders of the unfavorable change in their public protection classification. Failure to provide this notice may result in non-compliance with Insurance Code §59A-18-33, NMSA 1978.

What to do next

Provide written notice to affected policyholders within 90 days of February 11, 2026.
Ensure notice language is consistent with or similar to the provided example regarding the change from class 2 to class 3 rating.

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This Bulletin updates Bulletin No. 2026-003 by correcting the sentence “This Bulletin is issued as required by general OSI Bulletin 2026-003” to properly say, “This Bulletin is issued as required by general OSI Bulletin No. 2024-022.”

The OSI has been notified by ISO, a rating/advisory organization, about a recent Public Protection Classification (PPC) survey involving the fire service protection areas (FSPA) of Ruidoso. As a result, policyholders protected by Ruidoso FSPA are moving from class 2 rating to class 3 (with class 1 being the best possible rating).

ISO intends to make the change effective July 1, 2026.

Within ninety days of the date of this Bulletin, all residential property/casualty Insurers of customers in the Ruidoso FSPAs must provide written notice to its policyholders that includes this language, or language of similar meaning:

**For complete content please see PDF below.**

NOTICES REGARDING UNFAVORABLE CHANGES TO PUBLIC PROTECTION CLASSIFICATIONS AS REQUIRED BY INSURANCE CODE §59A-18-33, NMSA 1978