BIG IDEAS. SMALL BUDGETS. SMARTER WEBSITES.THE 2026 FIELD GUIDE
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HONEST RISK, WITHOUT THE SCARE TACTICS

Useful perspective. No invented odds.

A neat percentage feels reassuring. It only helps when we know what was measured, whose data it represents, and over what period.

THE DIRECT ANSWER

Actual theft odds for these setups are unknown.

There is no defensible public annual breach rate for “one indie author with static HTML” versus “one jeweler on old WordPress.” Traffic, patch state, plugins, credentials, host isolation, data retention and the providers used all change the outcome.

Our low / moderate / elevated judgments describe relative exposure under stated assumptions. They are editorial architecture assessments, not measured probabilities or insurance quotations.

31%

of breaches in Verizon’s 2026 DBIR findings began with vulnerability exploitation.

This does not mean a 31% chance your website will be breached.

Sources: Verizon: 2026 Data Breach Investigations Report findings (external) ↗

Keep three different events separate.

01

Site compromise

Someone changes your files, redirects or code. No personal information needs to be stored for this to hurt customers.

02

Record disclosure

Personal information is exposed in a database, provider account, device, email or export. Exposure can exist without an observed theft.

03

A customer’s data is stolen

An attacker actually obtains that person’s information. A compromised site does not imply every visitor’s data was taken.

HYPOTHETICAL MATH · NOT A RISK ESTIMATE

What would an assumed percentage mean?

You choose the annual probability of at least one incident. This calculator does not measure your site or connect these values to any technology.

HYPOTHETICAL CUMULATIVE PROBABILITY4.9%

of at least one incident over 5 years, if the chosen assumptions were true.

1 − (1 − p)years

Assumes independent years and an unchanged annual probability. Real threats, controls and exposures change. This is not the percentage of customers whose data would be stolen.

Percentage examples, with the assumptions visible.

These numbers are hypothetical inputs chosen to demonstrate the calculation. None is assigned to WordPress, React, HTML or any provider.

Assumed annual incident probabilityCalculated chance over five yearsEvidence about your own site?
0.1%0.5%No—illustration only
1%4.9%No—illustration only
5%22.6%No—illustration only
20%67.2%No—illustration only

Relative exposure by business.

Business / sensitive assetOutdated WordPressStatic React, many dependenciesSimple HTML + JSActual annual theft %
Indie game designerSubscriber list + store identityElevated avoidable exposureLower local storage exposure; moderate maintenance complexityLower local exposure with external collectionUnknown for all three
Jewelry resellerAddresses + order historiesElevated avoidable exposureLower local storage exposure; moderate maintenance complexityLower local exposure with external collectionUnknown for all three
Online hypnotherapistIntake + appointment metadataElevated avoidable exposureLower local storage exposure; moderate maintenance complexityLower local exposure with external collectionUnknown for all three
Indie musicianFan list + purchase recordsElevated avoidable exposureLower local storage exposure; moderate maintenance complexityLower local exposure with external collectionUnknown for all three
Educational nonprofitDonor + membership recordsElevated avoidable exposureLower local storage exposure; moderate maintenance complexityLower local exposure with external collectionUnknown for all three
Self-published authorLinks; optional reader listElevated avoidable exposureLower local storage exposure; moderate maintenance complexityLower local exposure with external collectionUnknown for all three
Hobby merch makerShipping + fulfillment recordsElevated avoidable exposureLower local storage exposure; moderate maintenance complexityLower local exposure with external collectionUnknown for all three

Assumptions: the static options collect no payment PII and use hosted services; large React dependency trees get maintained; outdated WordPress contains unsupported or known-unpatched components. Extra forms, APIs, trackers or bad account practices can reverse these judgments. This is not a measured ranking.

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