Twin Lakes, OK
How exposed is Twin Lakes to wildfire?
Twin Lakes sits at the 80th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 225 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Twin Lakes at the 81st percentile, close to its 80th-percentile risk score.
Where Twin Lakes's buildings actually sit
USFS classifies 88.9% of Twin Lakes's buildings as Direct exposure, higher than its 10.7% Indirect share and far above its 0.4% Minimal share — a profile where 200 structures sit close enough to vegetation that lot clearing matters most.
Twin Lakes against the rest of the country
Inside Oklahoma, Twin Lakes sits at just the 20th percentile even though it scores 80th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Twin Lakes ranks 6,307 for wildfire risk (1 is highest) and 23,960 by building count (1 is largest). Within Oklahoma alone, it ranks 665 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Twin Lakes and the insurance market
Twin Lakes's high rating (80th 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
With 88.9% of Twin Lakes in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Twin Lakes's figures come from
The methodology guide shows exactly how USFS turned 225 counted buildings into the percentiles shown above for Twin Lakes. The exposure-zones guide covers what Twin Lakes's dominant direct exposure actually means, with real examples from across the dataset.