A manufacturing plant has its sprinkler scheme drawn to NFPA 13 as light hazard. When the insurance surveyor arrives, the production line is assessed as HC-2 against the examples in FM DS 3-26 Table 2.2.2 and Appendix C; for standard sprinklers the allowable area per sprinkler drops from 20.9 m² at HC-1 to 12.1 m² at HC-2 (FM DS 2-0 Tables 2.5.2.3.1.1(a) and (b), ceilings up to 9.1 m). The result is several hundred additional sprinklers and a complete rehydraulic. This article summarises the practical content of DS 2-0 (October 2021, Interim Revision April 2025): it speaks the same language as NFPA 13, but sets several critical decisions differently.

FM Approved Components (Section 2.1.4)

The fundamental rule of DS 2-0 Section 2.1.4.1 is to install only new, FM Approved (where available) sprinkler system components, each applied in accordance with its Approval Guide listing (2.1.4.2). Where NFPA 13 accepts listed components, an insurer working to FM can reject products that are not FM Approved at survey, so the procurement list should be restricted to products found in the FM Approval Guide.

Hazard Classification

The hazard categories are defined not in DS 2-0 but in FM DS 3-26 (Fire Protection for Nonstorage Occupancies), Table 2.2.2; DS 2-0 states its installation rules in terms of those categories. They are close to, but not identical with, the NFPA light, ordinary and extra hazard classes. Design density and demand area come from DS 3-26 Table 2.3.1.10; the values below are for wet systems under ceilings up to 9 m:

In the same table the demand rises with ceiling height (for example HC-1 under a 9 to 13.5 m ceiling, wet system: 8 mm/min over 230 m²). A minimum design pressure of 0.5 bar applies at the most remote sprinkler (DS 3-26, 2.3.1.11); the hose stream allowance is 950 L/min for HC-1 and HC-2 and 1900 L/min for HC-3 (2.3.1.12); the water supply duration is 60 minutes for all categories (2.3.1.13). Storage hazards are handled separately in DS 8-9, where the design is given as sprinkler K-factor, number of operating sprinklers and pressure rather than density and area.

Sprinkler Spacing and Coverage (Section 2.5.2.3)

Pipe and Hangers (Section 2.4)

Practical Differences From NFPA 13

TopicFM DS 2-0NFPA 13
EquipmentFM Approved where available (2.1.4.1)Listed acceptable
Hazard classesHC-1/2/3 (DS 3-26) plus storage (DS 8-9)LH, OH-1/2, EH-1/2 plus storage
Design density and areaA single value per hazard category and ceiling height in DS 3-26 Table 2.3.1.10Since the 2022 edition, single-point density/area for new systems; curves only for existing systems
Hazen-Williams C (wet, black steel)120 (Table 2.2.1.3.3)NFPA 13 C-value table
Nonmetallic pipeNonstorage only; shielded, or FM Approved as exposed pipe (2.4.1.3)Per listing scope

When FM Applies in Practice

In Turkey, BYKHY Article 96(5) requires sprinkler design to TS EN 12845 and does not reference NFPA 13 or FM data sheets directly. FM becomes the baseline through the insurance relationship, as an added layer that must still meet the regulation's minimum requirements:

Quick Checklist

Frequently Asked Questions

Why does FM require FM Approved equipment rather than listed products?

DS 2-0 2.1.4.1 calls for new, FM Approved (where available) components. FM Approval is a separate testing and certification programme run to FM's own criteria, and the insurer relies on it as evidence that the component performs as assumed in the data sheets. A product listed elsewhere may be perfectly good but has not been evaluated against those criteria, so it can be rejected at survey.

How do FM hazard classes map onto NFPA classes?

They are close but not identical. HC-1 corresponds broadly to light hazard, HC-2 to ordinary hazard and HC-3 to extra hazard, but the boundaries and design values differ and an occupancy can sit in a higher class under FM. The category is assigned from DS 3-26 Table 2.2.2 and Appendix C, which is why the same building can require substantially more sprinklers under FM than under NFPA.

What is the biggest practical difference in design?

Hazard classification and coverage. DS 3-26 Table 2.3.1.10 gives a single density and demand area per hazard category and ceiling height, and the maximum area per standard sprinkler falls from 20.9 m² at HC-1 to 12.1 m² at HC-2 and 9.3 m² at HC-3 (DS 2-0 Tables 2.5.2.3.1.1(a) to (c)). An occupancy placed one class higher under FM therefore often means a denser sprinkler layout and a higher water demand.

Is FM compliance legally required?

No. The Turkish fire regulation (BYKHY, Article 96(5)) requires sprinkler design to TS EN 12845 and does not reference NFPA 13 or FM data sheets. FM becomes binding commercially, through the insurance policy or through a customer's supplier requirements, which means it is a contractual obligation rather than a legal one but no less real.

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Standards & References

FM Global Property Loss Prevention Data Sheet DS 2-0, Installation Guidelines for Automatic Sprinklers, October 2021, Interim Revision April 2025 (2.1.4, 2.2.1.3, Section 2.4, 2.5.2.3); DS 3-26, April 2019, Interim Revision April 2025 (Table 2.2.2, Section 2.3.1); related data sheets DS 8-9 (storage) and DS 2-8 (earthquake protection); NFPA 13 (2025) for comparison; BYKHY.