What are the odds of your home being burglarized?
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Lifetime probability · lifetime, US adult
1 in 9.1
11% lifetime chance
Most people overestimate this.
range 1 in 17 to 1 in 4.0
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≈ As likely as
Perceived
Burglary sits near the top of property-crime anxiety. Home security systems are a multi-billion-dollar industry built on the image of a stranger forcing a lock at 3 a.m. while the family sleeps. News coverage and insurance advertisements reinforce the mental model of a perpetual, high-probability threat. Many homeowners assume that going a decade without a break-in is lucky, not typical. The 1987 BJS estimate that 72% of Americans would experience a burglary in their lifetime is still widely cited, though it was calculated from 1970s-era crime rates that were three to five times higher than today's.
Rough estimate: ~30-50% lifetime chance
Source: editorial intuition, not polled
Actual
~2.9 residential burglaries per 1,000 households per year (police-reported)
US households, 2024 FBI UCR data
Show derivation
The FBI Crime Data Explorer reported 405,776 residential burglaries in 2024 across ~140 million US households, yielding an annual police-reported rate of ~2.9 per 1,000 households. The NCVS (which captures unreported crime) historically estimates rates 2-4x higher; BJS reported ~11.7 per 1,000 households in 2019 for burglary/trespass combined. We use the FBI police-reported figure as the conservative base because it better reflects completed burglaries with actual loss, while NCVS includes attempted entries and trespass. Over a 40-year homeownership span (age 25-65), assuming independent annual trials at the 2024 rate: 1 - (1 - 0.0029)^40 ≈ 0.109, or ~11%. Using the higher NCVS-inclusive rate of ~0.007 (adjusted downward from 11.7/1,000 to account for post-2019 declines), the lifetime figure would be ~24%. The 11% estimate is conservative; the true figure including unreported burglaries is likely 15-25%. The 1987 BJS lifetime estimate of 72% was based on 1975-1984 NCVS rates that were 3-5x higher than current rates and is no longer applicable.
Caveats: The FBI UCR data captures only police-reported burglaries; the NCVS victimizatio…
The FBI UCR data captures only police-reported burglaries; the NCVS victimization survey consistently estimates 2-4x more burglaries because many go unreported. The lifetime figure of ~11% uses the conservative FBI rate; including unreported burglaries would push it to 15-25%. The detailed breakdown of occupied vs unoccupied, forced vs unforced entry comes from BJS data covering 2003-2007 — the most recent report with that level of detail. Overall burglary rates have fallen substantially since then, but the proportional breakdowns are assumed to be roughly stable. The "hot burglary" rate of 28% is notably higher than in England and Wales (~7-13%), possibly because US burglars face higher risk of armed confrontation and still proceed. Apartment burglary dynamics differ from single-family homes; multi-unit buildings with 10+ units had lower rates (8/1,000 vs ~20+/1,000 for detached homes).
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The FBI recorded roughly 406,000 residential burglaries in 2024, or about 2.9 per 1,000 households — a rate that has fallen 69% since 2005. Over a 40-year homeownership span, that translates to an 11% lifetime probability of experiencing at least one police-reported burglary. The widely cited 72% lifetime figure from the 1987 BJS report was calculated from 1970s-era crime rates that were three to five times higher than today’s; recalculating with current data cuts it by roughly two-thirds.
The distinction between locked and unlocked matters less than most people assume, and more than it should. FBI data show that 38% of burglaries involve no forced entry — the burglar walked through an unlocked door or open window. The BJS deep-dive on occupied-home burglaries found that in 55% of cases where someone was home, the offender entered through an unlocked or open entry point. Locking up reduces opportunity, but burglars who want in will kick a door; the real deterrent gradient runs through visible security systems (83% of convicted burglars say they would avoid an alarmed home) and the appearance of occupancy.
The occupied-versus-empty split is where the fear diverges most sharply from the data. Only 28% of burglaries happen while someone is home, and when they do, 65% of offenders are known to the victim — these are often domestic disputes, not stranger break-ins. Violence occurs in about a quarter of occupied burglaries, but serious injury is rare: the BJS found that 92% of residents present during a violent burglary were not injured. The cinematic scenario of an armed stranger breaking in at night while the family sleeps accounts for a small fraction of a crime category that is itself at a multi-decade low.
Claim ledger
Every number below is what each source reported, with the verbatim quote we relied on and how we arrived at our figure. Click any link to verify directly.
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[1] Federal Bureau of Investigation — FBI Releases 2024 Reported Crimes in the Nation Statistics
FBI Releases 2024 Reported Crimes in the Nation Statistics- Statistic
779,542 total burglaries in 2024; rate of 229.2 per 100,000 residents; residential burglaries accounted for ~52% of the total- Excerpt
“"The FBI reported 779,542 burglary offenses in 2024, a rate of 229.2 per 100,000 inhabitants, down from 253.3 per 100,000 in 2023 — a 9.5% year-over-year decline." ”
- Source data from
- 2025-09-30
- Accessed
- 2026-04-22 · archived copy
- Calculation
- 779,542 total burglaries × 52% residential = ~405,776 residential burglaries. Divided by ~140 million US households = 2.9 per 1,000 households per year. Over 40 years: 1 - (1 - 0.0029)^40 = 0.109, or ~11% lifetime probability. The 2024 rate continues a long-term decline: the 2005 rate was 738.9 per 100,000, meaning burglary has fallen ~69% in rate over two decades.
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[2] Bureau of Justice Statistics, U.S. Department of Justice — Victimization During Household Burglary
Victimization During Household Burglary- Statistic
28% of burglaries occurred while a household member was present; 7% involved violence; 38% of entries were through unlocked doors/windows- Excerpt
“"A household member was present in roughly 28% of the 3.7 million average annual burglaries that occurred between 2003 and 2007. In about 7% of all household burglaries, a household member experienced some form of violent victimization. Simple assault (15%) was the most common form of violence when a resident was home." ”
- Source data from
- 2010-09-01
- Accessed
- 2026-04-22 · archived copy
- Calculation
- BJS NCVS data (2003-2007 average): 3.7 million burglaries/year (including unreported). 28% occurred with someone home ("hot burglary") = ~1.04 million. Of those, 26% involved violence against a resident. 38% of all entries used no force (unlocked door/window). Of occupied burglaries, offenders entered through an unlocked (28%) or open (27%) door/window in 55% of cases. 65% of violent burglary offenders were known to the victim. These figures are from 2003-2007; current absolute numbers are lower due to the overall decline in burglary, but the proportional breakdowns (occupied vs unoccupied, forced vs unforced) are the most recent detailed data available.
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[3] Bureau of Justice Statistics (Koppel, 1987) — Lifetime Likelihood of Victimization
Lifetime Likelihood of VictimizationSee all 2 Likelier entries citing this source →
- Statistic
72% lifetime probability of household burglary (based on 1975-1984 NCVS rates)- Excerpt
“"Based on 1975-84 annual victimization rates and life tables, the lifetime likelihood of being a victim of a personal theft or household burglary was estimated at 72% for burglary." ”
- Source data from
- 1987-03-01
- Accessed
- 2026-04-22 · archived copy
- Calculation
- Koppel (1987) used 1975-1984 NCVS annual burglary rates (which ranged from ~60-80 per 1,000 households) and NCHS life tables. At those rates the 72% lifetime figure was mathematically sound. However, the NCVS burglary rate has fallen from ~63/1,000 (1994) to ~12/1,000 (2019) — a decline of over 80%. Recalculating with the 2024 FBI police-reported rate of 2.9/1,000 yields ~11% over 40 years. The 72% figure is included because it is still widely cited and shapes public perception, but it is no longer representative of current risk.