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Life Events

Odds of major life events including marriage, divorce, having twins, and other personal milestones.

47 probabilities in this category

~15%MEDIUM

Annual Probability of Basement Flooding

About 15% of homeowners with basements experience some form of basement flooding or water intrusion each year.

ANNUAL
~4%LOW

Annual Probability of Bed Bug Infestation

About 1 in 5 Americans has had a bed bug infestation or knows someone who has. Infestations have increased dramatically since the 2000s.

ANNUAL
~3%LOW

Annual Probability of Having Your Car Towed

About 7 million non-consensual tows occur in the US each year. Average retrieval costs $200-$500 including storage fees.

ANNUAL
~12%LOW

Annual Probability of Having an HOA Dispute

About 12% of HOA homeowners report having a significant dispute with their association in a given year.

ANNUAL
~4%LOW

Annual Probability of Losing Your Wallet

About 4% of Americans lose their wallet or purse each year. Studies show about 40-50% of lost wallets are returned.

ANNUAL
~3%LOW

Annual Probability of Sewer Backup Into Home

About 3% of homes with sewer connections experience a sewer backup in a given year, causing an average of $5,000-$10,000 in damage.

ANNUAL
~2%LOW

Annual Probability of Termite Damage to a Home

About 2% of US homes experience termite damage each year, causing an estimated $5 billion in property damage annually.

ANNUAL
~33%LOW

Annual Probability of a Pet Insurance Claim

About 33% of pet insurance policyholders file at least one claim per year. The average claim for dogs is about $800.

ANNUAL
~2%LOW

Percentage of Marriages That Are Same-Sex

About 2% of marriages in the US are between same-sex couples, and about 710,000 same-sex married couples live in the US.

ANNUAL
~10%MEDIUM

Probability of Baby Being Admitted to NICU

About 10% of newborns in the US require admission to the neonatal intensive care unit (NICU) after birth.

PER EVENT
1 in 1,461LOW

Probability of Being Born on February 29 (Leap Day)

The probability of being born on February 29 (Leap Day) is approximately 1 in 1,461, since leap years occur roughly once every 4 years.

PER EVENT
~15% per yearLOW

Probability of Being Called for Jury Duty

About 32 million Americans receive a jury duty summons each year (~15% of eligible adults), though only about 8 million actually report.

ANNUAL
1 in 10 (10%)LOW

Probability of Being Left-Handed

Approximately 10% of the world's population is left-handed, a ratio that has remained remarkably stable across cultures and throughout history.

LIFETIME
29%LOW

Probability of Being a Cat Owner

About 29% of US households own at least one cat, totaling roughly 47 million households with approximately 74 million pet cats.

ANNUAL
44.5%LOW

Probability of Being a Dog Owner

About 44.5% of US households own at least one dog, totaling roughly 65 million households with approximately 90 million dogs.

ANNUAL
69%LOW

Probability of Cohabiting Before Marriage

About 69% of couples who marry in the US today lived together before their wedding, up from just 10% in the 1960s.

CONDITIONAL
13.7%LOW

Probability of Completing a Graduate Degree

About 13.7% of US adults hold a master's degree or higher, though the rate has been increasing steadily.

LIFETIME
36%HIGH

Probability of Dropping Out of College

About 36% of students who start a bachelor's degree do not complete it within 6 years, with first-generation students at higher risk.

CONDITIONAL
~8%MEDIUM

Probability of Emergency C-Section

About 8% of all births involve an emergency (unplanned) C-section, usually due to fetal distress or labor complications.

CONDITIONAL
~12%MEDIUM

Probability of Experiencing Infertility

About 12% of women aged 15-44 have difficulty getting pregnant or carrying a pregnancy to term.

CONDITIONAL
~5% per yearMEDIUM

Probability of Experiencing Roof Damage

About 5% of US homeowners file a roof damage claim each year, with wind and hail being the most common causes.

ANNUAL
1 in 60LOW

Probability of Experiencing a Burst Pipe

About 1 in 60 homeowners file a water damage insurance claim each year, with burst pipes being the most common cause.

ANNUAL
~25%MEDIUM

Probability of Foundation Settlement Causing Damage

About 25% of homes experience some foundation settlement issues during their lifetime. Repair costs average $4,000-$12,000.

LIFETIME
41%HIGH

Probability of Getting Divorced

Approximately 41% of first marriages in the US end in divorce, though the rate has been declining in recent years.

CONDITIONAL
83%LOW

Probability of Getting Married by Age 40

About 83% of Americans will marry at least once by age 40, though the median age at first marriage has been rising steadily.

CONDITIONAL
46%MEDIUM

Probability of Graduating College in 4 Years

Only about 46% of students at 4-year institutions graduate within 4 years. The 6-year graduation rate is approximately 64%.

CONDITIONAL
25%MEDIUM

Probability of Having Foundation Issues

About 25% of US homes will experience some form of structural distress from foundation problems during their lifetime.

LIFETIME
47%MEDIUM

Probability of Having Mold in Your Home

About 47% of US homes have visible mold or significant moisture problems, according to EPA estimates.

LIFETIME
1 in 1,149LOW

Probability of Having Triplets

About 1 in 1,149 births in the US results in triplets or higher-order multiples, though this rate has declined with changes in IVF practices.

PER EVENT
1 in 31 (3.2%)LOW

Probability of Having Twins

About 3.2% of all births in the US are twins (approximately 1 in 31 pregnancies), a rate that has increased due to fertility treatments.

PER EVENT
~3.2%LOW

Probability of Having Twins Naturally

About 3.2% of all US births are twins. Without fertility treatment, the natural twin rate is about 1.2% (identical) + variable fraternal rates.

PER EVENT
8% (1 in 12.5)MEDIUM

Probability of Having a Food Allergy

Approximately 8% of children and 10% of adults in the US have a food allergy, with rates that have been increasing over recent decades.

LIFETIME
~15%LOW

Probability of Having a Prenuptial Agreement

About 15% of married Americans have a prenuptial agreement, a rate that has increased significantly among millennials.

CONDITIONAL
~20%LOW

Probability of Having a Serious Neighbor Dispute

About 20% of Americans report having had a serious dispute with a neighbor, most commonly over noise, property boundaries, or pets.

ANNUAL
~35% per cycleMEDIUM

Probability of IVF Resulting in Live Birth

The average IVF success rate (live birth per cycle) is about 35%, but varies dramatically by age from over 50% under 35 to under 5% over 42.

PER EVENT
58%MEDIUM

Probability of Long-Distance Relationship Success

About 58% of long-distance relationships survive, roughly comparable to the success rate of geographically close relationships.

CONDITIONAL
50%LOW

Probability of Making a Major Career Change

About 50% of American workers make a significant career change at some point in their working life.

LIFETIME
~19%LOW

Probability of Marrying Someone of a Different Race

About 19% of new marriages in the US are between spouses of different races or ethnicities, up from 3% in 1967.

CONDITIONAL
40%LOW

Probability of Meeting Your Spouse Online

About 40% of couples who married in recent years met online, making it the most common way to find a partner.

CONDITIONAL
1.4%LOW

Probability of Moving to a Different State (Annual)

About 1.4% of Americans move to a different state each year, a rate that has been declining for decades.

ANNUAL
~20%MEDIUM

Probability of Multiple Birth from IVF

About 20% of IVF pregnancies result in multiples (mostly twins), though single embryo transfer is reducing this rate.

CONDITIONAL
~60%MEDIUM

Probability of Second Marriage Ending in Divorce

About 60% of second marriages end in divorce, higher than the 40-50% rate for first marriages.

LIFETIME
~1 in 175LOW

Probability of Stillbirth

About 1 in 175 pregnancies in the US ends in stillbirth (fetal death at 20+ weeks gestation), totaling about 21,000 per year.

PER EVENT
~12%LOW

Probability of Twins from IVF

About 12% of IVF pregnancies result in twins, down from 30%+ in the early 2000s due to single embryo transfer protocols.

CONDITIONAL
~30%LOW

Probability of Using Online Dating

About 30% of American adults have used a dating site or app, with the rate reaching 53% among adults under 30.

CONDITIONAL
~3%LOW

Probability of a Baby Being Born with a Birth Defect

About 1 in 33 babies in the US is born with a birth defect, making it the leading cause of infant mortality.

PER EVENT
~60%MEDIUM

Probability of a Home Renovation Going Over Budget

About 60% of homeowners who undertake renovations go over budget, with an average overage of about 20%.

PER EVENT