Ransomware

Ransomware locks up everything on a device or home network - irreplaceable photos, documents, a small business's records - and with no clean backup you're left choosing between paying criminals and losing it all; with backups it's an afternoon's rebuild, so the Impact rides almost entirely on whether you prepared.

Ransomware has moved well past big companies to individuals and small businesses, usually arriving through one bad click or an unpatched device, so it's an increasingly common risk that lands mid-scale.

This number is yours. It measures how hard Ransomware 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.