RiskIQ Network
FinancialRiskIQ maps financial risk by location, not personal choices
FinancialRiskIQ is a financial risk intelligence layer that explains how location-based economic conditions shape household stability. It is neutral, diagnostic, and grounded in public data.
Search a location
Find a state or city profile to see local financial risk drivers.
What financial risk means here
The likelihood that households in a given location experience financial stress due to external conditions, not individual decision quality.
Household financial stress
Income, poverty exposure, and rent or mortgage burden.
Debt and credit pressure
Subprime share, delinquency, and utilization signals.
Cost of living exposure
Housing costs, rent growth, and affordability pressure.
Legal and collection risk
Civil filings and enforcement intensity indicators.
Employment stability
Job volatility, participation, and earnings trends.
Financial Risk Score v1
A multi-risk score that stays relative, explainable, and comparable across geographies.
Scores are relative. They do not predict or guarantee outcomes.
Risk framework
Five risks that shape local financial pressure
Each risk blends public signals into explainable drivers that roll up into a composite location score.
Household financial stress
Baseline fragility signals tied to income, savings resilience, and cost burden.
- Median household income
- Households under 200% poverty
- Rent-burdened households (30%+)
- Mortgage-burdened households (30%+)
- Households receiving SNAP
- Income trend (YoY)
Debt and credit pressure
Leverage, utilization, and credit vulnerability signals that elevate risk.
- Subprime share
- 90+ day delinquency rate
- Revolving utilization
- Total debt per borrower
Cost of living exposure
Housing costs and rent growth that erode purchasing power.
- Median gross rent
- Median monthly housing costs
- Median home value
- Rent-to-income ratio
- Rent growth (YoY)
Legal and collection risk
Civil court activity and enforcement intensity that signal collection pressure.
- Civil court filings per 100k residents
- Civil filings trend (YoY)
Employment and income stability
Exposure to job volatility, earnings softness, and income shocks.
- Unemployment rate
- Unemployment volatility (monthly)
- Labor force participation
- Employment-to-population rate
- Median earnings (full-time, year-round)
- Earnings trend (YoY)
- Industry concentration (HHI)
State directory
State profiles built for clear context
The state directory anchors the platform, providing a consistent baseline for financial risk conditions across the U.S.
State directory
Browse FinancialRiskIQ state profiles for macro risk climate, legal context, and economic pressure.
Complete 50-state coverage with consistent, clear comparisons.
State profiles
Each state page explains the drivers behind the score, trends, and national comparisons.
Neutral, diagnostic framing — no advice or promises.
Scoring and presentation
Transparent scoring with clear guardrails
Relative and indexed
Scores reflect percentiles or indexed values, not absolute predictions.
Explainable drivers
Every score includes a clear explanation and the signals behind it.
Comparable and versioned
Financial Risk Score v1 stays consistent across locations and updates.
Trust guardrails
FinancialRiskIQ is a financial risk intelligence platform, not a personal finance blog or lead-gen shell.
- Not financial advice or individualized guidance.
- Not a lender, broker, or debt relief service.
- No promises, guarantees, or fear-based urgency.
- Population-level, location-first insights only.
How to use this
Start with your state
State profiles summarize macro financial stress, legal context, cost pressure, and employment stability.
How to use this
Explore city context
City profiles explain how local income, housing costs, debt pressure, and job volatility affect households.
How to use this
Compare risk drivers
Risk pages break down the signals behind each score with data sources and years.
Educational next steps
Explore trusted public financial resources
Informational only. No forms, no lead capture, and no financial advice.
Review consumer financial rights
Read neutral guidance on credit, debt collection, and financial protections from CFPB.
Find support programs in your area
Search public benefit and assistance programs by location and household needs.
See how Financial Risk Score v1 is calculated
Understand the public datasets and scoring logic behind Financial Risk Score v1.