Twin Bridges, MT
Twin Bridges, MT's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Twin Bridges lands at the 70th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 428 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Twin Bridges at the 70th percentile, close to its 70th-percentile risk score.
Where Twin Bridges's buildings actually sit
428 buildings are counted in Twin Bridges, and 77.1% of them are Indirect exposure — ember-driven risk rather than the 22.9% in Direct exposure or the 0% rated Minimal.
Twin Bridges against the rest of the country
Inside Montana, Twin Bridges sits at just the 38th percentile even though it scores 70th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Twin Bridges ranks 9,585 for wildfire risk (1 is highest) and 18,694 by building count (1 is largest). Within Montana alone, it ranks 294 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Twin Bridges and the insurance market
At the 70th percentile nationally, Twin Bridges carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Twin Bridges
Twin Bridges's 77.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Twin Bridges's figures come from
The methodology guide shows exactly how USFS turned 428 counted buildings into the percentiles shown above for Twin Bridges. The exposure-zones guide covers what Twin Bridges's dominant indirect exposure actually means, with real examples from across the dataset.