2025 FM Resilience Index: Denmark on Top of the World Again; FM Adds New Cybersecurity Data
LONDON, UK, February 27th, 2025 – Commercial property insurer FM today released the 2025 FM Resilience Index, its 12th yearly ranking of 130 countries and territories by the resilience of their business environments. New in 2025, the index now includes proprietary FM data to provide a comprehensive picture of cybersecurity risk.
Denmark claims the top position in the index for the second straight year, thanks to its high productivity, educated populace and robust cybersecurity. These are three of the index’s 18 resilience-scoring factors, which consist of macro risks, such as inflation and political risk, and physical risks, such as climate risk exposure and fire risk quality.
The next nine regions in the ranking are Luxembourg at No 2, followed by Norway, Switzerland, Singapore, Sweden, Germany, Finland, Belgium and the United States Zone 3 (the central US)*.
The index includes data from third parties like the International Monetary Fund and World Bank, as well as FM risk exposure and improvement measures.
"The FM Resilience Index provides actionable information to help businesses manage the complexities of our fast-changing world,” said Bill Bradshaw, operations senior vice president, London operations manager at FM. “Organisations can use the FM Resilience Index to inform strategic decisions, such as site selection and supply chain design. By combining external data with insights from FM’s property risk engineers, the Index offers unmatched visibility into physical resilience. As threats evolve, so do opportunities to strengthen resilience, and the FM Resilience Index provides businesses with expert guidance to navigate these shifting risks.”
The 2025 FM Resilience Index highlights key trends shaping the UK’s business landscape. While the UK remains the 15th most resilient country in the rankings this year, since 2021, the UK has dropped 19 places in cybersecurity and 14 in logistics (ease of export to a country). However, the UK remains within the top 30 for both, and the country continues to rank highly in greenhouse gas emissions (10) and climate risk quality (14) in 2025. Since 2024, the UK has also climbed 33 places in the inflation ranking – a shift reflected across much of Europe and welcomed by business leaders.
“The 2025 FM Resilience Index shows inflation stabilising in the UK, giving businesses more room to focus on long-term resilience,” Bradshaw commented. “While this is a welcome shift, challenges like supply chain disruptions and regulatory risks remain, making data-driven solutions more important than ever.”
Beyond the UK, the biggest risers since 2021 have been Ghana (up 17 ranks to 72), Nigeria (up 10 to 105) and Rwanda (up eight to 69). The biggest fallers have been Lebanon (down 23 to 118), Argentina (down 22 to 81), Armenia (down nine to 85) and Russia (down nine to 60). Russia’s decline, coming three years into its full-scale invasion of Ukraine, was driven in large part by strains on its wartime economy.
Meanwhile, some of the biggest economies in Europe saw their inflation rankings improve in 2025 after years of price pressures. In Asia, Singapore and South Korea continue to make progress on climate risk quality, showing that policymakers can address exposures even when those exposures are significant.
Cyber metric updated
This year for the first time, the FM Resilience Index’s cybersecurity factor reflects proprietary FM data. This information is combined with data from the United Nations’ Global Cybersecurity Index to offer an insightful, precise and unique picture of cybersecurity risk—especially important in the age of artificial intelligence and industrial automation.
With this update, FM now includes proprietary data in all six physical risk factors that make up the index, giving businesses unprecedented visibility into threats to their operations.
Qatar, Singapore, Greece, the United Arab Emirates and the United States Zone 2 (the western US)* are all among the top 10 for cybersecurity in the 2025 FM Resilience Index. Nicaragua, Haiti and Tajikistan were the bottom three.
Why the index is important
Online and interactive, the 2025 FM Resilience Index helps global companies make strategic business decisions such as where to build new facilities, source suppliers, extend (or shrink) supply chains or cultivate new markets. This year’s version reflects unprecedented volatility in the world, including global conflict, inflation and rapid technology innovation.
The 2025 FM Resilience Index is validated by real-world property-loss data. Countries ranked in the top 50 of the FM Resilience Index recover over 30% faster from property losses on average than locations in other countries.
Stakeholders who are concerned about trends in a particular country can use the index to gain insight—and take action. For example, businesses with exposure to countries that have seen major changes in the logistics category can consider FM’s business risk consulting services. Resilience Index data on climate risk can be paired with FM’s climate suite of products. And this year’s new cybersecurity data can be used in tandem with FM’s cyber risk assessments.
Rankings breakdown
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The 18 equally weighted resilience factors in the 2025 FM Resilience Index are: |
Macro:
- Control of corruption
- Education
- Energy intensity
- GHG emissions
- Health expenditure
- Inflation
- Internet usage
- Logistics
- Political risk
- Productivity
- Urbanisation rate
- Water stress
Physical:
- Climate change exposure
- Climate risk exposure
- Climate risk quality
- Cybersecurity
- Fire risk quality
- Seismic risk exposure
Explore the 2025 FM Resilience Index:
*The United States, along with other large countries, is broken down into multiple regions. For the United States, Zone 1 is the eastern region, Zone 2 is the western region and Zone 3 is the central region.
About FM
Established nearly two centuries ago, FM is a leading mutual insurance company whose capital, scientific research capability and engineering expertise are solely dedicated to property risk management and the resilience of its policyholder-owners. These owners, who share the belief that the majority of property loss is preventable, represent many of the world’s largest organisations, including one of every four Fortune 500 companies. They work with FM to better understand the hazards that can impact their business continuity to make cost-effective risk management decisions, combining property loss prevention with insurance protection.