Long County homeowners received good news last week, when the results from a recent Insurance Services Office inspection dropped the county’s risk rating. With the change, according to Ludowici/Long County Assistant Fire Chief Shawn Smith, residents’ home-insurance premiums should drop. The new rating takes effect Nov. 1.“If you live in the county, as most of our residents do, the estimates show that homeowners who (live) within 5 miles of a fire station will have their insurance premiums drop by around 30 percent,” Smith said.