2026’s Most Dangerous States for Everyday Personal Injuries

Everyday Injury Risk, Mapped

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Lower risk

Higher risk No data published

Hover any state for its full metric breakdown. Gray states did not publish a 2024 nonfatal-injury (DART) rate to BLS.

Key Findings

North Dakota recorded the nation's highest everyday-injury risk score in our 2024 index, driven by a workplace fatality rate of 3.52 per 100,000 residents. Nationally, 5,070 workers died from job injuries in 2024, and dog-related injury insurance claims cost U.S. insurers $1569.6 million. Michigan ranked #21 of 51 on the overall risk index, but was the nation's #4 state for dog bite insurance claims (1,138 claims worth $72.4 million in 2024). (Analysis by Ravid & Associates, P.C., based on BLS and Insurance Information Institute/State Farm 2024 data.)

Full Ranking: All 50 States and D.C.

Click any column header to sort. Injury-risk score is a weighted composite of workplace fatality and nonfatal-injury rates (see methodology). 100 = highest risk, 0 = lowest.

Rank	State	Risk Score	Workplace Deaths / 100k	2024 Workplace Deaths	Nonfatal Injury Rate*	Dog Bite Claims (2024)

*Nonfatal injury rate = cases involving days away from work, restriction, or transfer, per 100 full-time private-industry workers (BLS SOII, 2024). "n/a" indicates the state did not publish this rate.

Spotlight: Dog Bite & Dog-Related Injury Claims, 2024

Rank	State	Claims	Avg. Cost/Claim	Total Paid

Source: Insurance Information Institute & State Farm, "Top 10 States By Estimated Number And Cost Of Dog Bite Claims, 2024." U.S. total: 22,658 claims, $69,272 average cost, $1,569.6 million paid. Only the top 10 states are published by III; other states are not ranked in this table.

Methodology

Sources: U.S. Bureau of Labor Statistics, Census of Fatal Occupational Injuries (fatal work injuries by state, 2024) and Survey of Occupational Injuries and Illnesses (nonfatal DART rate by state, private industry, 2024); Insurance Information Institute and State Farm, dog bite and dog-related injury liability claims by state, 2024.

Injury-Risk Index construction: each state was percentile-ranked on workplace fatality rate per 100,000 residents (60% weight) and nonfatal DART injury rate per 100 full-time workers (40% weight) to produce a single 0–100 composite score. States that did not publish a 2024 DART rate (Florida, Georgia, Idaho, Mississippi, New Hampshire, North Dakota, Rhode Island, South Dakota) are scored on the fatality-rate metric alone, consistent with BLS's own state-participation disclosures.

Dog bite claims are shown as a standalone spotlight table rather than folded into the composite score, because the Insurance Information Institute publishes only the top 10 states by claim volume, not a full 50-state breakdown.

Caveat: workplace fatality counts include all industries and do not isolate any single cause; rankings reflect relative risk across the weighted metrics, not a prediction of any individual's likelihood of injury.

Prepared by: Ravid & Associates, P.C., Detroit, Michigan. For media inquiries or interview requests, contact the firm at (248) 948-9696.