Twin Oaks, MO
Twin Oaks, MO's wildfire risk, in USFS's own numbers
USFS scores Twin Oaks at the 34th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 149 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Twin Oaks's burn probability — fire likelihood with no building count factored in — sits at the 36th percentile nationally.
Twin Oaks's building exposure, zone by zone
44.3% of Twin Oaks's 149 buildings sit in USFS's Direct exposure zone, roughly 66 structures close enough to burnable vegetation for flame contact, not just embers — 20.1% fall in the Indirect, ember-only zone and 35.6% are Minimal.
How Twin Oaks compares
Inside Missouri, Twin Oaks sits at just the 10th percentile even though it scores 34th 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 Oaks ranks 20,798 for wildfire risk (1 is highest) and 26,918 by building count (1 is largest). Within Missouri alone, it ranks 952 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
What this risk score means for insurance
Twin Oaks's moderate rating (34th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Twin Oaks's 44.3% 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 149 counted buildings into the percentiles shown above for Twin Oaks. For more on what direct exposure implies beyond Twin Oaks, see the exposure-zones guide.