Twin Lakes, IA
How exposed is Twin Lakes to wildfire?
Twin Lakes's 422 buildings earn a 8th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Twin Lakes at the 6th national percentile — 2 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
Most of Twin Lakes's buildings (75.4% of 422) 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.
How Twin Lakes compares
Twin Lakes scores 8th nationally and 16th within Iowa — 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 Lakes ranks 29,027 for wildfire risk (1 is highest) and 18,788 by building count (1 is largest). Within Iowa alone, it ranks 853 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Twin Lakes
Twin Lakes's low wildfire rating (8th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Twin Lakes's 75.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Twin Lakes's figures come from
Twin Lakes's 8th-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's dominant minimal exposure actually means, with real examples from across the dataset.