Rumors run rife in areas affected by political instability and conflict. Their adoption plays a key role in igniting many forms of violence, including riots, ethnic conflict, genocide, and war. While unverified at the time of transmission, some rumors are widely treated as truth, while others are dismissed as implausible or false. What factors lead individuals to embrace rumors and other forms of unverified information? This article presents a new theoretical framework for understanding individual receptivity to rumors and tests it using original survey data gathered in insurgency-affected areas of Thailand and the Philippines.