Every article here is filed on seven axes at once. One says what event it is — the nine hazard groups below. The others say what it damages, where and when it happens, who it hurts hardest, how much of it you can move, and what is changing underneath it. Amber means there are articles to read, and as of September 2026 every branch below has at least one. Grey, when it appears, means the ground is mapped but not yet written.
Published — number of articlesPlanned
I. Personal Risk
Risk as it lands on one person and one household — the body, the mind, the money, the family and the place you live.
Axis 3Hazard and Risk Event108
The event or hazard source that puts a person at risk. This is the axis the menu and the category archives follow.
Health Risk16Illness, infectious disease, injury, chronic conditions, deteriorating mental health, disability and the risks that come with ageing.Infectious Disease 3 · Heart, Blood and Circulation 3 · Brain and Ageing 3 · Sleep and Overwork 3 · Food and Allergy 2 · Medical Care 2
Accident and Physical Hazard17Falls, road collisions, drowning, fire, explosion, structural collapse and building defects, electrical and gas incidents, and industrial injury.Fire and Burns 2 · Home and Indoor Hazards 2 · Falls and Impact 2 · Road and Vehicles 4 · Public Transport 2 · Work and Machinery 3 · Crowds and Public Space 2
Crime and Security Risk9Fraud and financial scams, theft, robbery, assault, cybercrime, data leaks, identity theft, account takeover and stalking.Fraud and Scams 2 · Accounts and Devices 3 · Privacy and Data 2 · Burglary and Personal Crime 2
Psychological and Social Manipulation10Gaslighting, grooming, indoctrination and coercive persuasion, along with bullying, discrimination and social conflict aimed at a person.Interface and Persuasion 2 · Relationship Manipulation 2 · Social Engineering 2 · Information and Belief 2 · Groups and Influence 2
Financial Risk14Investment loss, market and interest-rate moves, currency and inflation, falling income, unemployment and dismissal, rising debt, damaged credit, failure of a bank, insurer or landlord, falling property prices, tax, pension and insurance risk.Investing and Markets 6 · Retirement and Withdrawal 2 · Insurance 2 · Banking and Deposits 2 · Debt and Credit 2
Environmental and Climate Risk10Storms, snow, flood, cold and heat extremes, earthquake, tsunami, drought, wildfire and landslide, plus air, water, food and soil contamination, noise, climate shift, ecosystem change and resource depletion.Air Quality 2 · Water and Contaminants 2 · Heat and Cold 2 · Storms and Flooding 2 · Earthquake and Wildfire 2
Social Risk10Social isolation, bullying, discrimination, social conflict, severed relationships, reputational damage and social unrest.Isolation and Belonging 2 · Work and Livelihood 2 · Family and Care 2 · Bullying and Harassment 2 · Youth and Digital Life 2
Political and Geopolitical Risk10War, conflict between states, deteriorating diplomatic relations, political instability, sanctions, abrupt policy change and geopolitical confrontation.Conflict and War 2 · Civil Unrest and Policing 2 · Travel and Borders 2 · Sanctions and Economic Coercion 2 · Law and Governance 2
Infrastructure Risk12Failure of the systems a household depends on: power grid and blackouts, telecoms and internet, water and gas supply, transport networks, medical and financial infrastructure, data centres and logistics.Power and Energy 2 · Water and Sanitation 3 · Healthcare Systems 2 · Telecom and Internet 2 · Transport Networks 3
Cross-cutting axes
The same article can be read six other ways. These are applied as tags, and only where the article actually supports them.
Axis 2Impact Target
What the risk ultimately damages: the asset, capability or relationship that takes the loss.
Physical Health109Risk landing on life, body, injury, illness, disability and chronic conditions.
Mental Health22Risk landing on mental health: stress, anxiety, depression, cognition and cognitive decline.
Financial31Risk landing on financial assets, property, income, cash flow, debt, credit and purchasing power.
Family and Relationships14Risk landing on a spouse, children, parents, family ties, personal relationships and caring duties.
Housing and Property20Risk landing on the home, real property, vehicles and personal belongings.
Social and Reputation13Risk landing on social ties, networks, reputation, standing and social capital.
Career and Human Capital6Risk landing on the job, employment, earning power, career, education, ability to work and career interruption.
Legal and Rights5Risk landing on legal rights and liabilities: lawsuits, administrative penalties and legal costs.
Digital and Identity11Risk landing on personal data, digital assets, online accounts, digital identity and identity theft.
Axis 4Exposure Context
The physical, digital or social setting where the exposure happens.
Residential31Exposure at home: houses, flats, detached and shared housing.
Workplace17Exposure at work: offices, sites, field work and industrial premises. Schools and campuses are counted here.
Public Space10Exposure in shared space: roads, parks, shops, public buildings and crowded venues.
Transportation13Exposure in transit: roads, rail, metro, buses, aircraft, ships and private vehicles.
Travel and Overseas4Exposure while travelling: domestic trips, foreign travel, tourist sites and stays abroad.
Medical Facility9Exposure inside the health system: hospitals, clinics, pharmacies and care homes.
Commercial and Financial7Exposure in commerce and finance: shops, banks, brokers, insurers and investment settings.
Online and Digital18Exposure online: the internet, social media, communities, shopping, online finance and digital services.
Social Environment5Exposure in social settings: family gatherings, work relationships, friendships, group activity and networks.
Outdoor and Natural5Exposure outdoors: mountains, coast, rivers, forest and open country.
Axis 5Time Exposure
Timing that changes the odds. A value is only created when an article has evidence for it, so this list stays short on purpose.
Night4Risk concentrated after dark and overnight.
Axis 6Vulnerability
Personal characteristics that change who gets hurt and how badly, given the same exposure. Applied only to articles that examine that vulnerability.
Physical Vulnerability24Articles where age, physical capacity, health status, disability or fitness changes who gets hurt.
Cognitive Vulnerability13Articles where cognition, judgement, stress tolerance or digital comprehension changes the outcome.
Financial Vulnerability8Articles where net worth, income, liquid assets, debt ratio, emergency funds, cash-flow stability or insurance cover changes the outcome.
Social Vulnerability9Articles where family support, social networks, isolation or the availability of care changes the outcome.
Housing Vulnerability5Articles where the age and structure of the building, or the hazard profile of the area, changes the outcome.
Digital Vulnerability5Articles where digital literacy, security posture, data exposure or account security changes the outcome.
Axis 7Controlability
How much of the probability or the damage a person can actually move. Every article carries exactly one of these.
Direct Control66Your own actions move the odds or the size of the loss substantially.
Indirect Control54Your choices and preparation reduce the risk, but you do not control whether it happens.
Beyond Control30Outside forces you cannot realistically influence. Preparation changes the damage, not the event.
Axis 8Future Risk Drivers
Cross-cutting forces that change the shape and size of hazard, exposure, vulnerability and impact over time. Not a risk category of their own.
Technology13AI, robotics, automation, biotech, digital finance and new technology reshaping risk.
Climate and Earth Systems6Climate change, sea level, temperature shift, more extreme weather, ecosystem change and resource depletion.
Demographics10Population change, ageing, birth rates, household structure, urbanisation and migration.
Social Change2Shifts in social structure, family form, labour markets, values, consumption and education.
Economy and Financial System3Growth, cycles, inflation, the interest-rate environment, market structure and income distribution.
Law and Regulation15Changes in law, regulation, tax, welfare, data and AI rules, and financial regulation.
Mobility1Autonomous driving, electric vehicles, transit change, transport infrastructure and mobility services.
Geopolitics7Relations between states, international conflict, trade order, supply chains, sanctions and world affairs.
II. Sole Proprietor Risk
Risk carried by a one-person business, where the owner and the business share the same balance sheet.
Not yet written. The same seven axes will be built out here once the first articles exist — the risks change shape when the person and the business share one balance sheet, or deliberately do not.
III. Company Risk
Risk carried by an incorporated business, where liability, governance and insurance sit with the entity rather than the owner.
Not yet written. The same seven axes will be built out here once the first articles exist — the risks change shape when the person and the business share one balance sheet, or deliberately do not.