Risk Assessment at Home

Risk Assessment at Home

Most of us can’t stand watching the news. Virtually every story involves chaos and danger to some degree, filling our heads with tormenting visions of similar things happening to our loved ones.

However, more times than not, we place an emphasis on fearing for dangers which, while very real, are also very unlikely to happen. Whether it’s terrorism, kidnappings, home invasions, killer viruses, or end-of-the-world social upheaval, such extreme crises are, thankfully, rare for the most part. While keeping a general game-plan in mind in the event they occur, there’s little logic in making major preparations for high profile dangers.

Instead, families ought to aim their focus on reducing the more likely risks in life, like the following:


When we think of a person breaking into our home, we tend to fear the worst: an armed intruder entering the residence while everyone is asleep and most vulnerable – waking them up, bounding them, and putting them through psychological hell or worse. It makes most of us want to go out and buy a handgun.

However, the far majority of residential break-ins occur when no one is home. Most thieves prefer it that way. So instead of a gun, or in addition to a gun, families ought to consider investing in a home security system to protect their property. It makes the most sense, coming from a statistical perspective.


They are the fourth leading cause of death in the United States. Accidents are catastrophic, come out of nowhere, and usually at the worst possible time. Furthermore, most accidents are going to occur within the home, where we feel safest, rather than in an airplane, on a rollercoaster, etc.

Accidents on the road are another example of an event more likely to create tragedy than the things we tend to worry about more. Ensuring our teens drive safely is far more likely to save their life than teaching them the basics of shooting a moving target with a firearm.


One year it’s Ebola, the next it’s Zika. While there is always going to be the risk of deadly or catastrophic contagions with scary names moving around the world, truth be told the greater risks to our loved ones’ health tend to be much more mundane, slow moving, but nonetheless dangerous.

For instance, childhood obesity is one of the most serious public health challenges of the 21st century, according to the World Health Organization. With this in mind, parents ought to worry less about potential pandemics and pay more attention to what their kids are eating and how active they’re staying throughout the week.


Even though the Great Recession officially ended years ago, economic uncertainty hangs like a pall over most of society. No one is certain when or where the next deep will occur, nor how bad it will be compared to the last one.

And yet, the place families need to focus when it comes to finance is inward. Most households lack the funds to pay for an $1000 emergency. If financial disaster occurs, it’s more likely going to be on an individual basis rather than ignored by a collapse of the economy at large. Furthermore, tough economic times still provide room for success, just for few people. So if a family has spent years focusing on achieving financial security, they’re in a better position to be among the lucky few which stand to gain from recessions of the future.

There is a lot to worry about in the world. At least, that’s what we’re made to think thanks to 24-hour news and instant access to information online. In truth, the risks of life are a relatively small list of potential hazards. If care is taken to account for them, families stand a good chance of staying strong in the face of any uncertainty to come.

Editorial Team
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