Resident Risk Categories | Raleigh Rebuild Lyceum

Purpose

This framework defines categories of housing risk to support understanding and analysis. Risk categories help identify the nature and severity of housing challenges facing households and communities.

This is an educational and informational resource. It does not provide services, assessments, or housing placement.

Housing Risk Categories

Low Risk

Households with stable, affordable, and suitable housing with low probability of involuntary displacement.

Indicators:

Housing costs below 30% of gross income
Secure tenure with long-term lease or ownership
Housing meets suitability needs
Low neighborhood displacement pressure
Stable household income

Moderate Risk

Households with adequate housing that faces emerging pressures or has some vulnerability to displacement.

Indicators:

Housing costs 30-50% of gross income
Lease terms under 12 months or approaching renewal
Some suitability mismatches
Moderate neighborhood market pressure
Household income that is stable but limited

High Risk

Households facing significant housing challenges with substantial probability of displacement or housing loss.

Indicators:

Housing costs above 50% of gross income
Lease non-renewal, eviction proceedings, or foreclosure
Unsafe or uninhabitable conditions
High neighborhood displacement pressure
Loss of income or significant household change

Critical Risk

Households experiencing immediate housing loss, unsafe conditions, or active displacement.

Indicators:

Active eviction or foreclosure proceedings
Unsafe or uninhabitable housing conditions
Homelessness or imminent homelessness
Domestic violence or other safety concerns
Loss of housing due to natural disaster or fire