Twin Lakes, WA
How exposed is Twin Lakes to wildfire?
USFS's Wildfire Risk to Communities model puts Twin Lakes at the 99th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 330 actual buildings. (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 100th percentile, close to its 99th-percentile risk score.
Where Twin Lakes's buildings actually sit
USFS classifies 87.6% of Twin Lakes's buildings as Direct exposure, higher than its 10% Indirect share and far above its 2.4% Minimal share — a profile where 289 structures sit close enough to vegetation that lot clearing matters most.
Twin Lakes against the rest of the country
Twin Lakes scores 99th nationally and 98th within Washington — 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 268 for wildfire risk (1 is highest) and 20,837 by building count (1 is largest). Within Washington alone, it ranks 16 of 628 places by risk. See the full county-by-county picture for Washington on its state page.
Shopping for coverage in Twin Lakes
Twin Lakes's 99th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Twin Lakes (87.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Twin Lakes's figures come from
The methodology guide shows exactly how USFS turned 330 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.