Protection Intelligence Institute · Observatory
Household Resilience Observatory
A continuous research observatory tracking how household resilience, financial safety, family security, retirement, and preparedness are evolving across the United States. Updated quarterly under the Institute's research standards.
Trend
Protection trends
Term-life ownership at five-decade lows; LTD ownership outside group plans rising; umbrella penetration climbing in the mass affluent.
Trend
Financial safety trends
Liquidity gaps widening in lower quartiles; emergency-fund target medians shifting upward post-2022; healthcare-cost share of household budget rising 40 bps/yr.
Trend
Family security trends
Dual-income coverage gap persists; stay-at-home parent coverage still under-prevalent; blended-family beneficiary mismatches the leading cause of unintended outcomes.
Trend
Retirement resilience trends
Sequence-of-returns awareness rising; LTC ownership flat after a decade of decline; Roth-conversion volume up materially in the 60–70 cohort.
Trend
Preparedness trends
Documentation completeness improving; ALE adequacy lagging; recovery-liquidity discipline showing the largest quartile gap of any preparedness factor.
Top 10 — Household Resilience
- 1. Idaho93
- 2. New Hampshire92
- 3. Vermont91
- 4. Maine87
- 5. Ohio87
- 6. Indiana86
- 7. Alaska85
- 8. Iowa84
- 9. Washington84
- 10. Wisconsin84
Top 10 — Preparedness
- 1. Indiana77
- 2. Ohio77
- 3. New Hampshire76
- 4. Vermont76
- 5. Massachusetts75
- 6. West Virginia74
- 7. Illinois73
- 8. Maine73
- 9. Alaska72
- 10. Connecticut72
Forecasts
12 months
Premium pressure continues in coastal and WUI markets; flood awareness rises with NFIP rate restructuring; cyber rates stabilize for posture-improved small businesses.
24 months
Replacement-cost re-rating cycle completes for most HO portfolios; umbrella penetration climbs another 200 bps in mass-affluent households; LTD individual ownership continues recovery.
36–48 months
Climate-linked premium dispersion structural; carrier consolidation continues; consumer-protection variance widens across states; household resilience scoring becomes mainstream.