Twin Lakes (Mahnomen), MN
Twin Lakes (Mahnomen) wildfire risk explained
Out of every US place USFS scores, Twin Lakes (Mahnomen) lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 254 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Twin Lakes (Mahnomen)'s burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Twin Lakes (Mahnomen)'s building exposure, zone by zone
254 buildings are counted in Twin Lakes (Mahnomen), and 80.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 19.7% rated Minimal.
Twin Lakes (Mahnomen) against the rest of the country
Twin Lakes (Mahnomen)'s 96th-percentile standing inside Minnesota outpaces its 74th 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 (Mahnomen) ranks 8,127 for wildfire risk (1 is highest) and 23,017 by building count (1 is largest). Within Minnesota alone, it ranks 40 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
Twin Lakes (Mahnomen)'s high rating (74th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Twin Lakes (Mahnomen)'s 80.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 254 counted buildings into the percentiles shown above for Twin Lakes (Mahnomen). For more on what direct exposure implies beyond Twin Lakes (Mahnomen), see the exposure-zones guide.