Fire Load

What Does Fire Load Mean?

A building’s fire load refers to the items within it that could fuel a fire. It is calculated based on the amount of combustible material per unit of floor area. Fire insurance premiums are partly determined by the fire load of the insured building, as a higher fire load indicates a greater risk of fire damage.

Insuranceopedia Explains Fire Load

Fire loading depends on the materials present in a building. For example, if a room is empty and constructed entirely of cement from floor to ceiling, it can be considered to have a fire loading of zero.

Achieving zero fire loading is nearly impossible for industrial or commercial properties. Wood (used in furniture or finishes) and electrical equipment (such as computers and gadgets) are common in