what does the estimated heritability of 48 percent for neuroticism in the population claim?

Ciccarelli: Psychology_5 (5th Edition)
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what does the estimated heritability of 48 percent for neuroticism in the population claim?

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Introduction:

Neuroticism: is one of the five big-five traits, which are usually called OCEAN.  Individuals who are experience feelings such as loneliness, anxiety, fear, envy, anger, guilty depressed mood, and worry are likely to score high on neuroticism. Neurotic people experience trouble in controlling their gratifying needs and urges. They are shy and self-conscious. They are more vulnerable to frustration and are more likely to develop a mental disorder.

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