House Fire

A house fire can kill - it fills a home with smoke in minutes, often at night, and a family without working detectors or a practiced escape may not wake in time - which is why it rates high; but when everyone gets out, even a total loss is recoverable, with help and a rebuild measured in months, so it stops just short of the permanent, unrecoverable top of the scale.

For any single home in a given year the odds are fairly low, which keeps this below the midpoint - but cooking, heating, wiring, and candles drive hundreds of thousands of home fires a year, so over a lifetime it is far from rare.

This number is yours. It measures how hard House Fire would actually hit your household given what you already have in place. Rate it in Threat Planning — then all three multiply into your personal threat rating.