Flagship Proprietary Index
The Household Resilience Index
A proprietary 0–100 composite of eight household resilience factors. The HRI measures recovery strength and long-term resilience — joining the Protection Index and Financial Safety Index as one of three flagship household metrics.
Household Resilience Index
44/100
At-Risk Resilience
At-Risk resilience. A single shock could cause lasting financial damage — act now.
Tier thresholds
- Elite: 85+ — Best-in-class household resilience — absorbs major shocks without permanent damage.
- Strong: 70+ — Strong resilience across most domains — minor refinements remain.
- Moderate: 50+ — Material exposures — close priority gaps before the next disruption.
- At-Risk: 0+ — Urgent action required — a single shock could cause lasting damage.
Eight weighted factors
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.
Methodology
Version 1.0 · last updated 2026-06. HRI weights are reviewed annually against household resilience research, claims data, and longevity assumptions.
Family Protection · 14% weight
Inputs: Life adequacy, Dependents, Income replacement months
Income Protection · 14% weight
Inputs: LTD coverage, Dual income, Emergency reserves
Asset Protection · 12% weight
Inputs: Umbrella, Titling, Replacement-cost property
Retirement Protection · 12% weight
Inputs: Asset depth, LTC plan, Healthcare continuity
Preparedness · 12% weight
Inputs: Emergency fund, Disaster riders, Insurance breadth
Risk Management · 10% weight
Inputs: Gap closure, Coverage coordination, Business hygiene
Business Protection · 6% weight
Inputs: Commercial coverage, Continuity plan, Concentration
Financial Resilience · 20% weight
Inputs: Net worth, Debt service, Liquid reserves
How HRI relates to the other flagship scores
Protection Index
Protection readiness
Insurance coverage adequacy across the eight primary lines.
Financial Safety Index
Financial safety
Seven-pillar composite of household financial safety.
Household Resilience Index
Recovery strength
Eight-factor composite of recovery strength and long-term resilience.
FAQ
What is the Household Resilience Index?
A proprietary 0–100 composite of eight household domains. It measures recovery strength and long-term resilience — not point-in-time wealth.
How does HRI differ from Protection Index and Financial Safety Index?
Protection Index measures insurance readiness. FSI measures financial safety. HRI measures recovery strength and long-term resilience. The three are complementary, not redundant.
What's a 'good' HRI?
85+ is Elite. 70+ is Strong and the realistic target for most households by age 45. Below 50 is At-Risk.
How often should I run HRI?
Quarterly until you hold Strong tier for a full year. Then annually or after life events.