Premium Report 11.0
Household Resilience Report
At-Risk Resilience · 44/100
Household Resilience Index at 44/100 with 10-year trajectory averaging 50/100.
Generated 8/2/2026 · Review Year 2026 · Tier: protection
Household Resilience
44/100
At-Risk Resilience
Preparedness
45/100
Reserves + readiness
Future Security
58/100
Forward-looking stability
Forecast (10y avg)
50/100
10-year resilience trajectory
Resilience Overview
At-Risk Resilience
Composite: 44/100.
10-Year Forecast
Trajectory across the next decade:
- Year 1: resilience 48, preparedness 45, future security 58 — Trajectory: At-Risk — act on Top 3 Priorities now
- Year 3: resilience 49, preparedness 46, future security 57 — Trajectory: At-Risk — act on Top 3 Priorities now
- Year 5: resilience 50, preparedness 47, future security 57 — Trajectory: Moderate — close priority gaps
- Year 10: resilience 53, preparedness 49, future security 56 — Trajectory: Moderate — close priority gaps
Priority Improvements
Highest-impact resilience actions:
- Build liquid reserves to 9–12 months — Financial Resilience is the largest HRI lever (20% weight).
- Add disaster riders (flood, EQ, water-backup) — Disaster prep moves Preparedness 10–20 points.
- Close coverage stability gaps — Run Protection Health tracker to identify weakest line.
Recommendations
1. Build liquid reserves to 9–12 months
Financial Resilience is the largest HRI lever (20% weight).
2. Add disaster riders (flood, EQ, water-backup)
Disaster prep moves Preparedness 10–20 points.
3. Close coverage stability gaps
Run Protection Health tracker to identify weakest line.