Risk Intelligence
The Risk Intelligence Score
A 0–100 composite of mapping, mitigation, monitoring, and coverage matching.
Executive Summary
A 0–100 composite of mapping, mitigation, monitoring, and coverage matching. This risk intelligence brief synthesizes peer-reviewed research, regulatory data (NAIC, BLS, Federal Reserve SCF, FEMA, SSA), and InsuranceQuoteToolkit's proprietary HRI and FSI scoring models. Use it as a decision-grade reference — not a marketing overview.
Key Takeaways
- Composite of Protection Index + FSI Risk Mgmt
- Re-scored quarterly
- Tier thresholds align with FSI
- Drives Risk Intelligence Institute dashboard
Research-Backed Guidance
The findings above draw on multi-source household-resilience research. Our review process triangulates federal data sets (BLS Consumer Expenditure, Federal Reserve SCF, NAIC market conduct filings), longitudinal academic studies, and the InsuranceQuoteToolkit national resilience panel. Read our methodology center for full scoring and weighting details.
- • Federal Reserve Survey of Consumer Finances — liquidity & net worth distributions
- • Bureau of Labor Statistics CEX — household burn-rate baselines
- • NAIC consumer publications — coverage prevalence and gap analytics
- • FEMA National Risk Index — geographic peril exposure
Practical Recommendations
- 75+ is Strong target by age 45
- Pair with Risk Monitor
Action Checklist
Print or screenshot this list. Move from a Moderate to Strong tier on the relevant index by completing each item within 60–90 days.
- 1Composite of Protection Index + FSI Risk Mgmt
- 2Re-scored quarterly
- 3Tier thresholds align with FSI
- 4Drives Risk Intelligence Institute dashboard
- 575+ is Strong target by age 45
- 6Pair with Risk Monitor
FAQ
What's a good score?
75+ is Strong. 85+ is Elite — typical of households with annual reviews and disciplined coverage updates.