Twin Lakes (Freeborn), MN
Twin Lakes (Freeborn) wildfire risk explained
Out of every US place USFS scores, Twin Lakes (Freeborn) lands at the 44th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 134 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Twin Lakes (Freeborn)'s burn probability — fire likelihood with no building count factored in — sits at the 40th percentile nationally.
What "at risk" means for the buildings here
68.7% of Twin Lakes (Freeborn)'s 134 buildings sit in USFS's Minimal exposure zone, with only 31.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Twin Lakes (Freeborn) ranks
Twin Lakes (Freeborn)'s 62nd-percentile standing inside Minnesota outpaces its 44th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Twin Lakes (Freeborn) ranks 17,742 for wildfire risk (1 is highest) and 27,544 by building count (1 is largest). Within Minnesota alone, it ranks 349 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
What this risk score means for insurance
At the 44th national percentile, Twin Lakes (Freeborn) rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 68.7% of buildings rated Minimal exposure, Twin Lakes (Freeborn) 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 (Freeborn)'s figures come from
Every one of the two percentiles behind Twin Lakes (Freeborn)'s 17,742-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Twin Lakes (Freeborn)'s dominant minimal exposure actually means, with real examples from across the dataset.