Twin Lakes, CA
Twin Lakes, CA's wildfire risk, in USFS's own numbers
Twin Lakes sits at the 21st percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 2,088 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Twin Lakes at the 23rd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Twin Lakes rates 99% Minimal exposure against just 1% Direct and 0% Indirect — of 2,088 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Twin Lakes against the rest of the country
Twin Lakes ranks lower within California (2nd percentile statewide) than its 21st 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 ranks 24,981 for wildfire risk (1 is highest) and 7,227 by building count (1 is largest). Within California alone, it ranks 1,544 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Twin Lakes and the insurance market
Twin Lakes 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 21st-percentile score like Twin Lakes's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
With 99% of buildings rated Minimal exposure, Twin Lakes gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Twin Lakes's 24,981-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Twin Lakes, see the exposure-zones guide.