Coral Gables, Fla., has become the second U.S. city to be given the highest rating for enforcing building codes from Insurance Services Office Inc. (ISO).

The national firm, which evaluates municipalities' capabilities for property and casualty insurers, ranks the effectiveness of local building-code enforcement to help determine how well homes and commercial structures in a community will hold up against hurricanes, earthquakes and other natural disasters.

ISO grades on a scale of one to 10, with one being the best. So far, Fremont, Calif., is the only other city to receive the coveted Class 1 distinction for building-code enforcement.

Coral Gables scored 96.86 points out of a possible 100 in ISO's review - the best performance of any of the 8,931 municipalities that ISO has evaluated in 44 states over the past five years. The 14-square-mile city was also awarded top rank for fire protection of homes and businesses.