Encinitas Fire & Marine Safety Department administers six fire stations across a 20-square-mile response area from its headquarters at 505 South Vulcan Avenue, holding an Insurance Services Organization Class 2 rating that directly lowers homeowner insurance premiums citywide. The department's Marine Safety division operates lifeguard services at Moonlight State Beach under contract with the California Department of Parks and Recreation, coordinating water-safety enforcement along the same coastline where Leucadia Surf School runs instructional sessions. Under a cooperative management agreement, the department's executive team also commands the Del Mar and Solana Beach fire departments, covering a combined 25 square miles with nine companies in eight stations and more than 100 full-time personnel. Every front-line engine and truck company deploys with at least one California-licensed paramedic — an Advanced Life Support first-response capability recognized by the American Heart Association's Mission Lifeline Award for EMS Clinical Excellence, reducing call-to-scene times for cardiac emergencies in a jurisdiction where AAA Encinitas Insurance and Member Services and other carriers factor the Class 2 ISO score into local policy rates. Apparatus assignments include four Type 1 engines, one ladder truck, one Type 6 patrol/medic squad, one battalion command vehicle, and a cross-staffed Type 3 brush rig for wildland-urban interface incidents along the city's eastern Olivenhain corridor.