Twin Hills Colony, MT
Twin Hills Colony wildfire risk explained
Out of every US place USFS scores, Twin Hills Colony lands at the 44th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 24 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Twin Hills Colony at the 43rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Twin Hills Colony's buildings actually sit
USFS puts 87.5% of Twin Hills Colony's 24 buildings in the Indirect exposure zone, versus 12.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. This is a small settlement by building count — 24 total — so these shares describe a handful of structures, not a statistical average across thousands.
Twin Hills Colony against the rest of the country
Inside Montana, Twin Hills Colony sits at just the 8th percentile even though it scores 44th 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 Hills Colony ranks 17,745 for wildfire risk (1 is highest) and 31,428 by building count (1 is largest). Within Montana alone, it ranks 435 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Twin Hills Colony
Twin Hills Colony's elevated rating (44th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With ember exposure the dominant pattern in Twin Hills Colony (87.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Twin Hills Colony's figures come from
The methodology guide shows exactly how USFS turned 24 counted buildings into the percentiles shown above for Twin Hills Colony. Small places like Twin Hills Colony (24 buildings) are exactly where USFS's underlying data gets sparsest — see the data-quality guide for the 517 places that didn't clear the bar.