riskbycounty
FEMA National Risk Index

Garrard County Disaster Risk

Garrard County, Kentucky

FEMA Risk Rating

Very Low

National Percentile

30th

of 3,144 counties

State Rank

#82

of 120 (1 = highest risk)

Flood Risk

41th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Very Low

Higher than 41% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Very Low

Higher than 18% of US counties

Tornado

Tornado and severe thunderstorm risk

Relatively Low

Higher than 58% of US counties

Earthquake

Seismic activity and ground shaking risk

Relatively Low

Higher than 49% of US counties

Hurricane

Tropical cyclone and hurricane risk

Relatively Low

Higher than 45% of US counties

Risk Advisory: Garrard County

Risk Verdict

Garrard County has a very low overall disaster risk profile, scoring in the 30th percentile nationally. This county is among the safer counties in the United States from a natural disaster perspective, though no area is entirely risk-free.

Hazard Breakdown

Tornado risk is the dominant hazard for Garrard County, scoring in the 58th percentile nationally. It is followed by earthquake risk at the 49th percentile. Additional hazards include hurricane (45th), flood (41th), wildfire (18th).

Preparedness Context

With tornado risk as the top concern, Garrard County residents should identify a safe room or interior space on the lowest floor, have a NOAA weather radio, and practice tornado drills with your household. Secondary risks such as earthquake also warrant attention in household and community preparedness planning. FEMA recommends all households maintain at least 72 hours of food, water, and medication supplies regardless of specific hazard exposure.

Regional Context

Garrard County is notably safer than the average county in Kentucky. Its composite risk score is 14 points lower than the state average, indicating below-average exposure to natural hazards relative to other counties in the state.

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Frequently Asked Questions

What is the natural disaster risk in Garrard County, KY?
Garrard County has a FEMA National Risk Index rating of Very Low, placing it in the 30th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Garrard County?
Garrard County is evaluated for five major natural hazard types: tornado (58th percentile), earthquake (49th percentile), hurricane (45th percentile), flooding (41th percentile), wildfire (18th percentile). The highest-risk hazard is tornado at the 58th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Garrard County risk compare to the Kentucky average?
Garrard County's composite risk percentile is 30th, compared to the Kentucky state average of 44th percentile. The state's overall risk rating is Relatively Low. This means Garrard County faces lower natural disaster risk than the typical county in Kentucky.
Is Garrard County at risk for tornado?
Yes, Garrard County's tornado risk is at the 58th percentile nationally. This is above the national median. For flooding specifically, Garrard County is at the 41th percentile.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Is Garrard County a safe place to live?
Garrard County's composite risk score of 30th percentile is below the Kentucky state average of 44th percentile, indicating relatively lower exposure to natural hazards. However, no county is completely risk-free. The primary hazard type is tornado at the 58th percentile. Residents should still maintain emergency preparedness plans and appropriate insurance coverage.

Counties with Similar Risk

Marion County

Kentucky

-0.0

Very Low

30th percentile

Crittenden County

Kentucky

+0.1

Very Low

30th percentile

Cumberland County

Kentucky

-0.2

Very Low

30th percentile

By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.

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