WTW Country Risk Scores
Quarterly insurer risk scores — WTW ALERT:24(Q1 2026)
200 Countries
| Country | Overall | Civil Unrest | Crime | Ext. Conflict | Int. Conflict | Terrorism | Band |
|---|---|---|---|---|---|---|---|
| Yemen | 63 | 54 | 38 | 58 | 98 | 98 | Critical |
| Syria | 61 | 85 | 69 | 34 | 94 | 98 | Critical |
| Iran | 59 | 54 | 23 | 29 | 44 | 45 | Highly Dangerous |
| Israel | 59 | 38 | 8 | 32 | 33 | 91 | Highly Dangerous |
| Iraq | 57 | 46 | 54 | 16 | 67 | 82 | Highly Dangerous |
| Afghanistan | 52 | 46 | 92 | 18 | 89 | 98 | Highly Dangerous |
| South Sudan | 50 | 46 | 85 | 21 | 89 | 82 | Highly Dangerous |
| Gaza / West Bank | 49 | 62 | 54 | 29 | 67 | 82 | Highly Dangerous |
| Lebanon | 48 | 38 | 38 | 29 | 39 | 45 | Highly Dangerous |
| Sudan | 47 | 62 | 77 | 18 | 98 | 36 | Highly Dangerous |
| Burkina Faso | 47 | 54 | 85 | 5 | 89 | 98 | Highly Dangerous |
| Myanmar | 46 | 92 | 54 | 8 | 98 | 55 | Highly Dangerous |
| DRC | 46 | 62 | 85 | 18 | 67 | 73 | Highly Dangerous |
| Somalia | 45 | 23 | 98 | 8 | 83 | 98 | Highly Dangerous |
| Mali | 45 | 31 | 85 | 5 | 94 | 98 | Highly Dangerous |
| Ukraine | 45 | 38 | 31 | 47 | 67 | 36 | Highly Dangerous |
| Ethiopia | 43 | 46 | 54 | 18 | 89 | 64 | Highly Dangerous |
| Nigeria | 41 | 62 | 77 | 5 | 61 | 91 | Highly Dangerous |
| Venezuela | 41 | 62 | 92 | 29 | 39 | 27 | Highly Dangerous |
| CAR | 41 | 38 | 85 | 8 | 83 | 64 | Highly Dangerous |
| Libya | 38 | 54 | 54 | 8 | 61 | 91 | Grave |
| Niger | 37 | 38 | 69 | 5 | 61 | 91 | Grave |
| Chad | 35 | 46 | 54 | 8 | 56 | 82 | Grave |
| Pakistan | 35 | 46 | 46 | 16 | 44 | 82 | Grave |
| Cameroon | 35 | 54 | 62 | 5 | 50 | 82 | Grave |
| Bahrain | 34 | 46 | 8 | 8 | 28 | 36 | Grave |
| Mexico | 33 | 46 | 85 | 3 | 67 | 27 | Grave |
| Burundi | 33 | 38 | 54 | 21 | 39 | 55 | Grave |
| Haiti | 32 | 69 | 85 | 3 | 56 | 9 | Grave |
| Colombia | 31 | 31 | 62 | 8 | 50 | 64 | Grave |
| India | 30 | 46 | 38 | 16 | 33 | 64 | Grave |
| Saudi Arabia | 30 | 15 | 8 | 11 | 22 | 36 | Grave |
| Jordan | 30 | 23 | 8 | 11 | 17 | 36 | Grave |
| Mozambique | 29 | 54 | 46 | 3 | 44 | 64 | Heightened |
| Bangladesh | 28 | 54 | 46 | 8 | 33 | 55 | Heightened |
| North Korea | 27 | 8 | 15 | 16 | 11 | 9 | Heightened |
| Turkey | 27 | 46 | 23 | 16 | 39 | 45 | Heightened |
| Guinea | 27 | 62 | 62 | 8 | 33 | 18 | Heightened |
| Philippines | 26 | 31 | 54 | 8 | 39 | 45 | Heightened |
| Kenya | 26 | 46 | 38 | 5 | 28 | 73 | Heightened |
| Kuwait | 26 | 23 | 8 | 3 | 17 | 27 | Heightened |
| UAE | 25 | 8 | 8 | 11 | 6 | 27 | Heightened |
| Russia | 25 | 23 | 38 | 13 | 33 | 55 | Heightened |
| Egypt | 25 | 46 | 23 | 11 | 28 | 64 | Heightened |
| Uganda | 25 | 46 | 31 | 11 | 28 | 55 | Heightened |
| Ecuador | 24 | 38 | 62 | 3 | 33 | 36 | Heightened |
| Tajikistan | 24 | 38 | 46 | 8 | 28 | 45 | Heightened |
| Papua New Guinea | 24 | 46 | 69 | 3 | 33 | 18 | Heightened |
| Benin | 24 | 46 | 23 | 3 | 39 | 64 | Heightened |
| Ivory Coast | 24 | 38 | 46 | 5 | 28 | 55 | Heightened |
| Tunisia | 23 | 54 | 23 | 3 | 33 | 55 | Heightened |
| Guinea-Bissau | 23 | 46 | 23 | 13 | 39 | 18 | Heightened |
| Togo | 23 | 54 | 31 | 3 | 28 | 55 | Heightened |
| Peru | 23 | 62 | 62 | 3 | 17 | 27 | Heightened |
| Qatar | 22 | 8 | 8 | 3 | 6 | 27 | Heightened |
| Nicaragua | 22 | 46 | 54 | 5 | 33 | 9 | Heightened |
| Algeria | 22 | 31 | 23 | 11 | 28 | 55 | Heightened |
| Thailand | 22 | 31 | 23 | 8 | 33 | 55 | Heightened |
| Madagascar | 22 | 54 | 46 | 3 | 39 | 9 | Heightened |
| Oman | 22 | 15 | 8 | 5 | 6 | 9 | Heightened |
| Morocco | 21 | 31 | 23 | 11 | 33 | 36 | Heightened |
| Tanzania | 21 | 54 | 31 | 5 | 17 | 45 | Heightened |
| Mauritania | 21 | 31 | 54 | 11 | 17 | 27 | Heightened |
| Brazil | 21 | 46 | 62 | 3 | 22 | 18 | Heightened |
| Angola | 20 | 38 | 38 | 5 | 28 | 27 | Heightened |
| Honduras | 20 | 31 | 77 | 3 | 22 | 9 | Heightened |
| Rwanda | 20 | 15 | 15 | 21 | 22 | 36 | Heightened |
| Bolivia | 20 | 54 | 38 | 5 | 28 | 9 | Heightened |
| Guatemala | 20 | 31 | 77 | 3 | 22 | 9 | Heightened |
| Lesotho | 20 | 38 | 54 | 3 | 33 | 9 | Heightened |
| Djibouti | 20 | 23 | 23 | 11 | 11 | 27 | Heightened |
| Liberia | 19 | 31 | 54 | 3 | 28 | 18 | Elevated |
| Indonesia | 19 | 38 | 23 | 5 | 28 | 36 | Elevated |
| El Salvador | 19 | 23 | 38 | 5 | 28 | 36 | Elevated |
| Kosovo | 19 | 23 | 38 | 11 | 28 | 18 | Elevated |
| Kyrgyzstan | 19 | 38 | 38 | 5 | 22 | 27 | Elevated |
| Zimbabwe | 19 | 46 | 46 | 3 | 28 | 9 | Elevated |
| Republic of Congo | 19 | 31 | 38 | 5 | 28 | 27 | Elevated |
| Eritrea | 19 | 23 | 23 | 16 | 17 | 36 | Elevated |
| Azerbaijan | 18 | 23 | 31 | 13 | 22 | 18 | Elevated |
| Chile | 18 | 38 | 23 | 5 | 28 | 27 | Elevated |
| Sierra Leone | 18 | 38 | 31 | 5 | 28 | 18 | Elevated |
| South Africa | 18 | 46 | 54 | 3 | 11 | 18 | Elevated |
| Comoros | 18 | 46 | 23 | 3 | 33 | 18 | Elevated |
| Bosnia and Herzegovina | 17 | 23 | 38 | 5 | 22 | 27 | Elevated |
| Nepal | 17 | 38 | 38 | 3 | 17 | 27 | Elevated |
| Armenia | 17 | 23 | 38 | 13 | 11 | 18 | Elevated |
| Serbia | 17 | 38 | 38 | 8 | 17 | 9 | Elevated |
| Gabon | 17 | 46 | 31 | 3 | 28 | 9 | Elevated |
| Suriname | 17 | 31 | 54 | 5 | 17 | 9 | Elevated |
| Guyana | 17 | 23 | 46 | 11 | 17 | 9 | Elevated |
| Trinidad and Tobago | 17 | 23 | 62 | 3 | 17 | 18 | Elevated |
| Argentina | 16 | 46 | 46 | 3 | 6 | 18 | Elevated |
| Georgia | 16 | 38 | 15 | 8 | 22 | 18 | Elevated |
| Senegal | 16 | 38 | 23 | 3 | 22 | 27 | Elevated |
| Belarus | 15 | 38 | 23 | 5 | 22 | 9 | Elevated |
| Dominican Republic | 15 | 31 | 38 | 3 | 22 | 9 | Elevated |
| Belize | 15 | 23 | 54 | 8 | 6 | 9 | Elevated |
| Kazakhstan | 15 | 23 | 38 | 3 | 11 | 36 | Elevated |
| Albania | 15 | 23 | 38 | 5 | 17 | 18 | Elevated |
| Malawi | 15 | 38 | 23 | 8 | 11 | 18 | Elevated |
| Turkmenistan | 15 | 15 | 38 | 5 | 22 | 18 | Elevated |
| Moldova | 15 | 23 | 38 | 8 | 17 | 9 | Elevated |
| eSwatini | 15 | 31 | 46 | 3 | 11 | 18 | Elevated |
| The Gambia | 14 | 23 | 38 | 5 | 17 | 9 | Elevated |
| Maldives | 14 | 23 | 23 | 3 | 17 | 36 | Elevated |
| Sri Lanka | 14 | 23 | 23 | 3 | 22 | 27 | Elevated |
| Jamaica | 14 | 31 | 54 | 3 | 6 | 9 | Elevated |
| Costa Rica | 14 | 23 | 46 | 8 | 6 | 9 | Elevated |
| Malaysia | 14 | 31 | 23 | 5 | 11 | 27 | Elevated |
| Equatorial Guinea | 14 | 23 | 38 | 5 | 17 | 9 | Elevated |
| British Virgin Islands | 14 | 31 | 31 | 3 | 17 | 18 | Elevated |
| North Macedonia | 14 | 31 | 31 | 3 | 22 | 9 | Elevated |
| Panama | 13 | 38 | 31 | 3 | 6 | 18 | Elevated |
| Ghana | 13 | 23 | 23 | 3 | 11 | 36 | Elevated |
| Sao Tome and Principe | 13 | 23 | 15 | 3 | 33 | 9 | Elevated |
| Uzbekistan | 13 | 23 | 23 | 5 | 17 | 18 | Elevated |
| Greece | 13 | 23 | 23 | 5 | 11 | 27 | Elevated |
| Cambodia | 13 | 23 | 23 | 8 | 11 | 18 | Elevated |
| Seychelles | 13 | 23 | 23 | 3 | 17 | 27 | Elevated |
| Laos | 13 | 15 | 31 | 5 | 17 | 18 | Elevated |
| Zambia | 13 | 38 | 23 | 3 | 17 | 9 | Elevated |
| Paraguay | 13 | 23 | 23 | 3 | 17 | 27 | Elevated |
| United States | 12 | 31 | 15 | 3 | 6 | 36 | Elevated |
| French Guiana | 12 | 23 | 31 | 3 | 17 | 9 | Elevated |
| South Korea | 12 | 23 | 8 | 16 | 6 | 9 | Elevated |
| Solomon Islands | 12 | 23 | 31 | 3 | 17 | 9 | Elevated |
| Spain | 11 | 23 | 8 | 3 | 22 | 18 | Elevated |
| Vietnam | 11 | 15 | 23 | 8 | 11 | 9 | Elevated |
| Puerto Rico | 11 | 23 | 23 | 3 | 17 | 9 | Elevated |
| New Caledonia | 11 | 31 | 23 | 3 | 11 | 9 | Elevated |
| Uruguay | 11 | 23 | 38 | 3 | 6 | 9 | Elevated |
| France | 11 | 23 | 8 | 3 | 6 | 45 | Elevated |
| Cuba | 11 | 23 | 23 | 3 | 17 | 9 | Elevated |
| China | 11 | 23 | 15 | 8 | 6 | 18 | Elevated |
| United Kingdom | 11 | 31 | 15 | 3 | 6 | 27 | Elevated |
| Fiji | 11 | 23 | 23 | 3 | 17 | 9 | Elevated |
| Botswana | 10 | 23 | 31 | 3 | 6 | 9 | Elevated |
| Hungary | 10 | 23 | 23 | 3 | 11 | 9 | Elevated |
| Timor-Leste | 10 | 23 | 23 | 3 | 11 | 9 | Elevated |
| Italy | 10 | 8 | 31 | 3 | 6 | 27 | Elevated |
| Martinique | 10 | 31 | 23 | 3 | 6 | 9 | Elevated |
| Namibia | 10 | 15 | 23 | 3 | 17 | 9 | Elevated |
| Cyprus | 10 | 15 | 15 | 5 | 17 | 9 | Elevated |
| Romania | 10 | 23 | 23 | 3 | 11 | 9 | Elevated |
| Vanuatu | 10 | 23 | 15 | 3 | 17 | 9 | Elevated |
| Bulgaria | 10 | 15 | 23 | 3 | 17 | 9 | Elevated |
| Montenegro | 10 | 23 | 31 | 3 | 6 | 9 | Elevated |
| Bahamas | 10 | 8 | 46 | 3 | 6 | 9 | Elevated |
| St. Kitts and Nevis | 10 | 8 | 38 | 3 | 11 | 9 | Elevated |
| Antigua and Barbuda | 10 | 15 | 38 | 3 | 6 | 9 | Elevated |
| Mongolia | 9 | 23 | 23 | 3 | 6 | 9 | Stable |
| St. Lucia | 9 | 8 | 38 | 3 | 6 | 9 | Stable |
| St. Vincent and the Grenadines | 9 | 8 | 38 | 3 | 6 | 9 | Stable |
| Croatia | 9 | 15 | 23 | 5 | 6 | 9 | Stable |
| Barbados | 9 | 8 | 38 | 3 | 6 | 9 | Stable |
| Australia | 8 | 15 | 15 | 3 | 6 | 18 | Stable |
| Belgium | 8 | 8 | 8 | 3 | 11 | 27 | Stable |
| Mauritius | 8 | 15 | 15 | 3 | 6 | 18 | Stable |
| Cape Verde | 8 | 8 | 31 | 3 | 6 | 9 | Stable |
| Taiwan | 8 | 8 | 8 | 11 | 6 | 9 | Stable |
| Poland | 8 | 15 | 15 | 5 | 6 | 9 | Stable |
| Grenada | 8 | 8 | 31 | 3 | 6 | 9 | Stable |
| Sweden | 8 | 8 | 15 | 3 | 6 | 27 | Stable |
| Netherlands | 8 | 15 | 8 | 3 | 6 | 27 | Stable |
| Slovakia | 8 | 15 | 23 | 3 | 6 | 9 | Stable |
| Latvia | 8 | 15 | 15 | 3 | 11 | 9 | Stable |
| Ireland | 8 | 8 | 15 | 5 | 6 | 18 | Stable |
| Germany | 8 | 15 | 8 | 3 | 6 | 27 | Stable |
| French Polynesia | 8 | 15 | 8 | 3 | 11 | 18 | Stable |
| Czech Republic | 7 | 8 | 23 | 3 | 6 | 9 | Stable |
| Brunei | 7 | 8 | 23 | 3 | 6 | 9 | Stable |
| Guadeloupe | 7 | 8 | 23 | 3 | 6 | 9 | Stable |
| Canada | 7 | 8 | 8 | 3 | 6 | 27 | Stable |
| Lithuania | 7 | 8 | 15 | 5 | 6 | 9 | Stable |
| Japan | 7 | 8 | 8 | 8 | 6 | 9 | Stable |
| Denmark | 7 | 8 | 8 | 3 | 6 | 27 | Stable |
| Bhutan | 7 | 8 | 8 | 3 | 17 | 9 | Stable |
| Bermuda | 7 | 15 | 15 | 3 | 6 | 9 | Stable |
| Malta | 7 | 8 | 15 | 3 | 6 | 18 | Stable |
| Estonia | 7 | 8 | 8 | 5 | 11 | 9 | Stable |
| Hong Kong | 7 | 15 | 8 | 3 | 11 | 9 | Stable |
| Singapore | 6 | 8 | 8 | 3 | 6 | 18 | Stable |
| Tonga | 6 | 15 | 8 | 3 | 6 | 9 | Stable |
| Austria | 6 | 15 | 8 | 3 | 6 | 9 | Stable |
| Kiribati | 6 | 8 | 15 | 3 | 6 | 9 | Stable |
| New Zealand | 6 | 8 | 8 | 3 | 6 | 18 | Stable |
| Norway | 6 | 8 | 8 | 3 | 6 | 18 | Stable |
| Slovenia | 6 | 15 | 8 | 3 | 6 | 9 | Stable |
| Finland | 6 | 8 | 8 | 3 | 6 | 18 | Stable |
| Vatican City | 5 | 8 | 8 | 3 | 6 | 9 | Stable |
| San Marino | 5 | 8 | 8 | 3 | 6 | 9 | Stable |
| Portugal | 5 | 8 | 8 | 3 | 6 | 9 | Stable |
| Andorra | 5 | 8 | 8 | 3 | 6 | 9 | Stable |
| Iceland | 5 | 8 | 8 | 3 | 6 | 9 | Stable |
| Nauru | 5 | 8 | 8 | 3 | 6 | 9 | Stable |
| Luxembourg | 5 | 8 | 8 | 3 | 6 | 9 | Stable |
| Samoa | 5 | 8 | 8 | 3 | 6 | 9 | Stable |
| Liechtenstein | 5 | 8 | 8 | 3 | 6 | 9 | Stable |
| Switzerland | 5 | 8 | 8 | 3 | 6 | 9 | Stable |