Experts with Wallethub say crime is inevitable. But personal risk can be assessed by looking at these key factors in specific locations. Chip Lupo, writer and analyst with WalletHub.com, said he wants people to use the report to make decisions about where to live.

“It directly affects their safety and the overall well-being of the community,” said Lupo. “Because if you’re aware of local crime trends it gives residents the ability to make informed decisions about where to live.”

And, he said, there are some obvious patterns.

“The more the residents are employed, the more that are in stable homes, the less likely it is to be a high crime area,” Lupo said.

Wilmington, Delaware was one of the top five cities on the list with the most law enforcement employees, 464 per 100,000 residents, according to the report.

“It suggests that Wilmington does place a high priority on law enforcement,” Lupo said. “There’s a number of cities cutting law enforcement budgets, and police are retiring because of it.”

Still, Wilmington is at the bottom of the list when it comes to safety, revealing the complexities involved in fighting crime.

Philadelphia had some of the highest numbers of murder and non-negligent manslaughter. It also had comparatively high numbers of drug overdose deaths and hate crimes.