On the urban/rural, rural/urban, rural thing.
When the SFEC document was last released each Brigade had what is called a Brigade Prescription which specfies what rating they are, what their ratings in the three areas (structural, special, urban) is, what equipment, resources and levels of training are required. We are prescribed lots of things that we don't have (as I am sure many others are) so it is not a magic recipe to receive resources galore. A lot of Brigades consider themselves urban/rural and may say that they are (and I'm sure they're morally justified) but there are actually very few "officially" and they're not all 200+ response stations - far from it.
Is HV Rescue or Hazmat? If they don't have these risks to cover their special service rating is probably fairly low. Also being EMA means that they have ready access to specialist resources?? I'm not sure how EMA affects the risk ratings but I would guess the risks are attributed to the red truck Brigade. The formulas many many years ago were done from insurance data, incident history and many factors like that but I'm hard pressed to ascertain how they've been updated and what goes down with them now.