Commercial property insurer FM has released its 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 is given the top position in the index for the second year in a row, 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.
Making up the top ten best countries for resilience 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. “Organizations 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 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).
Cyber metric updated
This year, the FM Resilience Index’s cybersecurity factor reflects proprietary FM data for the first time. This information is combined with data from the United Nations’ Global Cybersecurity Index to offer an insightful 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 strong visibility into threats to their operations.
