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Rankings Center 2.0

Best States for Household Resilience

A state-by-state ranking of household resilience — how well the average household in each state can absorb and recover from financial shocks across multiple years.

Ranking (Resilience Score)

  1. 1.Idaho93
  2. 2.New Hampshire92
  3. 3.Vermont91
  4. 4.Maine87
  5. 5.Ohio87
  6. 6.Indiana86
  7. 7.Alaska85
  8. 8.Iowa84
  9. 9.Washington84
  10. 10.Wisconsin84
  11. 11.Virginia83
  12. 12.Oregon82
  13. 13.Utah81
  14. 14.Alabama80
  15. 15.West Virginia80
  16. 16.Massachusetts79
  17. 17.Montana78
  18. 18.Tennessee78
  19. 19.Hawaii77
  20. 20.Illinois77
  21. 21.Kentucky77
  22. 22.North Dakota77
  23. 23.North Carolina76
  24. 24.South Dakota75
  25. 25.Connecticut74
  26. 26.Delaware74
  27. 27.New Jersey74
  28. 28.Nevada73
  29. 29.Wyoming73
  30. 30.Pennsylvania72
  31. 31.Arizona70
  32. 32.Minnesota70
  33. 33.Mississippi70
  34. 34.South Carolina70
  35. 35.District of Columbia69
  36. 36.Georgia69
  37. 37.Arkansas68
  38. 38.Colorado68
  39. 39.Maryland68
  40. 40.New Mexico67
  41. 41.Nebraska66
  42. 42.Missouri64
  43. 43.Rhode Island63
  44. 44.Michigan61
  45. 45.New York61
  46. 46.California58
  47. 47.Kansas57
  48. 48.Texas57
  49. 49.Louisiana55
  50. 50.Florida52
  51. 51.Oklahoma46

Methodology

  • Composite of regional cost, risk-event frequency, and consumer-protection strength
  • Inputs sourced from NAIC, BLS, FEMA, and state regulators (see Institute → Data Sources)
  • Methodology versioned and re-validated annually
  • Scoring is reproducible from documented inputs

Key findings

  • Top-quartile states cluster in the Upper Midwest and Northeast non-coastal interior
  • Coastal Southeast and parts of the West are pressured by climate-linked peril severity
  • Consumer-protection strength materially lifts resilience for the same cost basis
  • Rankings update annually with NAIC and FEMA refreshes

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