Twin Creeks, MT
Twin Creeks, MT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Twin Creeks at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 128 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Twin Creeks at the 97th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Twin Creeks: 100% of its 128 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Twin Creeks compares
Twin Creeks scores 98th nationally and 96th within Montana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Twin Creeks ranks 793 for wildfire risk (1 is highest) and 27,807 by building count (1 is largest). Within Montana alone, it ranks 21 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
What this risk score means for insurance
Twin Creeks's 98th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 100% of Twin Creeks in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Twin Creeks's figures come from
The methodology guide shows exactly how USFS turned 128 counted buildings into the percentiles shown above for Twin Creeks. The exposure-zones guide covers what Twin Creeks's dominant direct exposure actually means, with real examples from across the dataset.