Twain Harte, CA
Twain Harte, CA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Twain Harte lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,532 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Twain Harte at the 99th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Twain Harte's buildings actually sit
Direct exposure dominates in Twain Harte: 84.7% of its 2,532 buildings, versus 15.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Twain Harte compares
Twain Harte scores 99th nationally and 90th within California — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Twain Harte ranks 309 for wildfire risk (1 is highest) and 6,239 by building count (1 is largest). Within California alone, it ranks 162 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Twain Harte and the insurance market
Twain Harte sits in California, one of two states that legally require a wildfire-risk disclosure at sale. California's FAIR Plan, the state's insurer of last resort, ended 2025 with 668,609 residential policies after adding 21,859 in Q4 alone — the kind of market shift a 99th-percentile score like Twain Harte's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
Twain Harte's 84.7% 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.
Where Twain Harte's figures come from
The methodology guide shows exactly how USFS turned 2,532 counted buildings into the percentiles shown above for Twain Harte. The exposure-zones guide covers what Twain Harte's dominant direct exposure actually means, with real examples from across the dataset.