Twodot, MT
How exposed is Twodot to wildfire?
USFS's Wildfire Risk to Communities model puts Twodot at the 57th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 54 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Twodot's burn probability — fire likelihood with no building count factored in — sits at the 56th percentile nationally.
Twodot's building exposure, zone by zone
USFS classifies 87% of Twodot's buildings as Direct exposure, higher than its 13% Indirect share and far above its 0% Minimal share — a profile where 47 structures sit close enough to vegetation that lot clearing matters most.
How Twodot compares
Twodot's 57th national percentile looks worse in isolation than its 21st ranking inside Montana does — this place is on the milder end for its own state, by 36 points. Among the 31,521 US communities USFS scores, Twodot ranks 13,621 for wildfire risk (1 is highest) and 30,823 by building count (1 is largest). Within Montana alone, it ranks 375 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
What this risk score means for insurance
At the 57th national percentile, Twodot rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 87% of Twodot 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.
More on how this number was built
Twodot's 57th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Twodot, see the exposure-zones guide.