Twin Lakes (Adams), CO
How exposed is Twin Lakes (Adams) to wildfire?
USFS scores Twin Lakes (Adams) at the 25th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 3,237 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Twin Lakes (Adams) at the 27th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Twin Lakes (Adams)'s building exposure, zone by zone
Most of Twin Lakes (Adams)'s buildings (99.4% of 3,237) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Twin Lakes (Adams) ranks
Twin Lakes (Adams) ranks lower within Colorado (3rd percentile statewide) than its 25th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Twin Lakes (Adams) ranks 23,502 for wildfire risk (1 is highest) and 5,122 by building count (1 is largest). Within Colorado alone, it ranks 461 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
What this risk score means for insurance
At the 25th national percentile, Twin Lakes (Adams) rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Twin Lakes (Adams)
With 99.4% of buildings rated Minimal exposure, Twin Lakes (Adams) gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Twin Lakes (Adams)'s figures come from
Twin Lakes (Adams)'s 25th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Twin Lakes (Adams)'s dominant minimal exposure actually means, with real examples from across the dataset.