Threats  /  How we rate threats

How we rate threats

Every threat in the catalog is scored the same way — a simple 1–9 ranking adapted from a process risk management system. It’s not about being precise; it’s about being consistent, so threats can be honestly compared against each other.

The three characteristics

Impact, Vulnerability, and Likelihood

Impact and Likelihood are properties of the threat itself — they’re what we publish on each threat page. Vulnerability is personal: it depends on how prepared you are.

Impact

How hard this hits an unprepared household — how badly it disrupts life, and how long that disruption lasts. A brief catastrophe and a long, grinding crisis can land on the same number, because duration is part of the damage.

1
Negligible
A brief inconvenience — back to normal within a day, and nothing lasting.
3
Minor
A minor injury or disruption you are over in days to a couple of weeks; life returns to how it was.
5
Moderate
A real setback — a moderate injury, or weeks to months of disrupted life — but recovery is straightforward and the outcome is not in doubt.
7
Major
A serious injury, or a disruption that upends life for months to years. You recover, but it costs you, and things do not return exactly as they were.
9
Catastrophic
Irreversible or effectively permanent — the death of a family member, or a collapse so deep and prolonged that help may not come and the life you had may not return.

Vulnerability

How hard this would hit YOU, given how prepared you are today.

1
Negligible
A brief inconvenience — back to normal within a day, and nothing lasting.
3
Minor
A minor injury or disruption you are over in days to a couple of weeks; life returns to how it was.
5
Moderate
A real setback — a moderate injury, or weeks to months of disrupted life — but recovery is straightforward and the outcome is not in doubt.
7
Major
A serious injury, or a disruption that upends life for months to years. You recover, but it costs you, and things do not return exactly as they were.
9
Catastrophic
Irreversible or effectively permanent — the death of a family member, or a collapse so deep and prolonged that help may not come and the life you had may not return.

Likelihood

How often a scenario like this actually reaches a household like yours.

1
Rare
Has essentially never happened, and isn’t expected to.
3
Unlikely
Has happened in the last 20 years, or is likely within the next 20.
5
Possible
Within roughly the last — or next — five years.
7
Likely
Within roughly the last — or next — two years.
9
Frequent
Occurs multiple times a year.
Threat Rating = Impact × Vulnerability × Likelihood
Goal Rating = Impact × Future Vulnerability × Likelihood
Opportunity = Threat Rating − Goal Rating

The three ratings are multiplied, so any one factor can hold the others in check — a catastrophe you’re not exposed to drops, and a near-certain nuisance only climbs so far. Sorting by Threat Rating tells you what to work on first.

You only get to move one number. Impact and Likelihood are largely fixed by the threat and your geography. Vulnerability is the lever — every skill learned and supply stored lowers it, which lowers your rating. The gap between today’s rating and your goal is your Opportunity: how much safer this threat can get.

This isn’t about exact scores. It’s about rating every threat the same way so the comparison is fair — pick a number, keep it consistent, and adjust as you learn.