Abstract: In order to analyze and study the reasonable range of loss standards for current fire level classification, based on the development level when the standards were revised in 2007, comparative analysis was conducted by directly using changes in gross domestic product and per capita disposable income of residents, changes in inflation based on CPI, and historical fire data; In addition, the concept of “upper limit of household losses” is introduced, and the severity of losses is measured by calculating the equivalent of “upper limit of household losses” for fire losses, thereby analyzing the adjustment range of current loss standards. By comparing various calculation methods, the boundary values for the classification of fire damage levels were controlled at 29 million to 33 million yuan, 99.58 million to 150 million yuan, and 298 million to 330 million yuan. Therefore, considering the characteristics of fire losses, combined with the analysis and calculation results and the newly revised level standards for maritime traffic accidents, it is recommended to adjust the loss standards for major, major, and particularly major fire accidents to 30 million yuan, 100 million yuan, and 300 million yuan, respectively.

Key words: fire level, loss criteria, inflation, the upper limit of losses borne by families