Flagship Engine
Household Resilience Engine
At-Risk resilience. A single shock could cause lasting financial damage — act now.
Household Resilience Index (HRI)
44/100
At-Risk Resilience
Composite of eight weighted resilience factors.
Five Flagship Scores
- Household Resilience: 48
- Financial Resilience: 34
- Protection Stability: 60
- Preparedness: 45
- Future Security: 58
Household Resilience
48/100
Financial Resilience
34/100
Protection Stability
60/100
Preparedness
45/100
Future Security
58/100
HRI factor breakdown
Life adequacy, dependents covered, spouse safety net.
Disability coverage, dual income, cash bridge.
Umbrella, titling, replacement-cost property.
Asset depth, LTC plan, healthcare continuity.
Emergency fund, disaster riders, insurance breadth.
Gap closure across coverage lines and business hygiene.
No business exposure on record.
Net-worth depth, debt service, liquid reserves.
10-year Resilience Forecast
Projection of the three primary scores along the household trajectory.
| Year | Age | Resilience | Preparedness | Future |
|---|---|---|---|---|
| +0 | 38 | 48 | 45 | 58 |
| +1 | 39 | 49 | 45 | 58 |
| +2 | 40 | 49 | 46 | 58 |
| +3 | 41 | 50 | 46 | 58 |
| +4 | 42 | 50 | 47 | 58 |
| +5 | 43 | 51 | 47 | 58 |
| +6 | 44 | 51 | 47 | 58 |
| +7 | 45 | 52 | 48 | 58 |
| +8 | 46 | 52 | 48 | 58 |
| +9 | 47 | 53 | 49 | 58 |
| +10 | 48 | 53 | 49 | 58 |
Priority recommendations
high impact
Build liquid reserves to 9–12 months
Financial Resilience is the largest HRI lever (20% weight).
high impact
Add disaster riders (flood, EQ, water-backup)
Disaster prep moves Preparedness 10–20 points.
high impact
Close coverage stability gaps
Run Protection Health tracker to identify weakest line.
Methodology
Household Resilience Index
The flagship 0–100 composite — eight weighted factors, four tiers.
Framework
Protection Maturity Model
Five maturity levels across five protection domains — with a progression roadmap.
Research
Protection Intelligence Institute
Research mission, methodologies, publications, and trust framework.
FAQ
What is the Household Resilience Engine?
A flagship intelligence system that produces five scores: Household Resilience, Financial Resilience, Protection Stability, Preparedness, and Future Security — plus a 10-year resilience forecast.
How is this different from the Financial Safety Index?
FSI measures current financial safety. The Household Resilience Engine measures recovery strength and long-term resilience across a multi-year horizon.
How is the Resilience Forecast generated?
It projects current scores forward 10 years using your liquidity discipline, age trajectory, and known coverage gaps (LTC, etc.).
Where does the Household Resilience Index fit?
HRI is the composite of eight weighted factors. The five scores here are the operational sub-scores that feed into HRI.