Twain, CA
How exposed is Twain to wildfire?
Out of every US place USFS scores, Twain lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 36 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Twain's burn probability — fire likelihood with no building count factored in — sits at the 100th percentile nationally.
Where Twain's buildings actually sit
100% of Twain's 36 buildings sit in USFS's Direct exposure zone, roughly 36 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How Twain compares
There's little gap between Twain's 99th national percentile and its 89th percentile inside California, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Twain ranks 347 for wildfire risk (1 is highest) and 31,249 by building count (1 is largest). Within California alone, it ranks 176 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
What this risk score means for insurance
Twain's 99th-percentile score lands in California, the only two states requiring a wildfire disclosure at sale. California's surplus-lines homeowners market passed 300,000 policies for the first time in 2025, driven by carriers pulling back from wildfire-exposed areas statewide. The disclosure-law guide covers what it requires.
Lowering exposure, not just insuring around it
Twain's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 36 counted buildings into the percentiles shown above for Twain. For more on what direct exposure implies beyond Twain, see the exposure-zones guide.