Garrard County, Kentucky

Garrard County, Kentucky has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 70% of US counties. It ranks 82nd of 120 counties in Kentucky. The costliest hazards here are inland flooding, tornadoes and strong wind. FEMA estimates about $6.8 million a year in expected losses, or roughly $402 per resident. Since 1993 it has been included in 18 federal disaster or emergency declarations for natural events (12 major disasters). The most recent was in September 2026 (severe storms, straight-line winds, flooding, landslides and mudslides). Only 22 homes here carry federal flood insurance. Since 1978, federal flood insurance has paid about $948,000 on 23 claims here.

FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.

Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is very high and community resilience is relatively moderate in FEMA's measures.

The National Weather Service has logged 185 storm reports in Garrard County since 1969, with 0 deaths and 4 injuries and about $3.7 million in reported damage. The strongest on record here was an F4 tornado on April 3, 1974.

Source: NOAA Storm Events Database, county-based reports through Jul 27, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.

Since 1888, 0 hurricanes and 3 tropical storms have passed within 65 miles of the center of Garrard County, 2 of them since 1950. The strongest was an unnamed storm in 1888, with top winds near 55 mph about 51 miles away.

Source: NOAA National Hurricane Center best-track records (HURDAT2), 1851 to 2025 for the Atlantic and 1949 to 2025 for the eastern Pacific. A storm counts if its track passed within 65 miles of the county's center while it was a tropical storm or hurricane. Strength is the storm's top sustained wind at that point, not the wind measured in the county. Older storms over the open sea were sometimes missed.

National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.

Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 7,280 housing units.

Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.