What is the National Protection Scorecard?

It benchmarks your household against the national distribution across 7 HPOS metrics, returning a percentile (0–100) per metric and an overall HPOS percentile.

How are percentiles computed?

A logistic CDF approximation using metric-specific means and a standard deviation of 14. Percentile means: 'better than X% of US households on this metric.'

What cohorts can I compare against?

All US households, households with dependents, homeowners, mass affluent ($500k–$2M net worth), and pre-retirees (55–65).

HPOS · Benchmark Layer

National Protection Scorecard

Where your household ranks against the United States — by metric, by cohort, by state.

Overall HPOS Percentile

17/100

Higher = better-protected than more households

Top-Quartile Metrics

0/7

Metrics where you outrank 75%+ of households

Below-Median Metrics

6/7

Priority improvement metrics

Metric-by-Metric

Overall Household Protection

You 45US avg 5817th percentile

Composite across all 7 HPOS flagship scores.

Protection Index

You 49US avg 5630th percentile

Insurance readiness across 7 weighted factors.

Financial Safety Index

You 45US avg 5523th percentile

7-pillar household financial safety composite.

Household Resilience Index

You 44US avg 5423th percentile

Multi-year recovery + resilience strength.

Preparedness

You 44US avg 5227th percentile

Emergency reserves + disaster readiness.

Wealth Preservation

You 58US avg 5753th percentile

Asset durability + liability protection.

Retirement Security

You 37US avg 5115th percentile

Long-horizon protection + LTC readiness.

Compare Against Cohorts

Where you sit relative to different household types.

All US households

17th percentile

Cohort average HPOS composite: 58/100

Households with dependents

21th percentile

Cohort average HPOS composite: 56/100

Homeowners

11th percentile

Cohort average HPOS composite: 62/100

Mass affluent ($500k–$2M NW)

6th percentile

Cohort average HPOS composite: 67/100

Pre-retirees (55–65)

9th percentile

Cohort average HPOS composite: 64/100

State-by-state context · Protection Atlas →National rankings →← HPOS Dashboard