Garrard County
Kentucky — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 30th
Garrard County faces very low composite natural disaster risk (NRI Risk Index score 30.2, 30th national percentile), driven primarily by strong wind and hail exposure. Expected annual loss across all 18 hazard types is $7M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Strong Wind | Medium | 6.56 / yr | $666K |
| Hail | Low | 3.33 / yr | $285K |
| Ice Storm | Medium | 0.88 / yr | $98K |
| Winter Weather | Low | 10.47 / yr | $60K |
| Tornado | Low | 0.11 / yr | $1M |
| Lightning | Low | 52.28 / yr | $165K |
| Earthquake | Very Low | 0.00 / yr | $185K |
| Cold Wave | Low | 1.00 / yr | $611K |
| Hurricane | Very Low | 0.03 / yr | $31K |
| Landslide | Very Low | 0.50 / yr | $512 |
| Riverine Flood | Low | 0.82 / yr | $3M |
| Drought | Low | 2.87 / yr | $22K |
| Heat Wave | Very Low | 2.58 / yr | $88K |
| Wildfire | Very Low | 0.00 / yr | $4K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Garrard County?
Garrard County has a composite FEMA National Risk Index score of 30.2 out of 100, placing it in the Very Low category and the 30th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Garrard County?
The three highest-rated hazards are Strong Wind (Medium, $666K EAL), Hail (Low, $285K EAL), Ice Storm (Medium, $98K EAL). These account for most of the county's expected annual losses.
How does Garrard County compare to other Kentucky counties?
Garrard County ranks #82 of 120 Kentucky counties for overall natural disaster risk, with a very low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Garrard County's $7M EAL is a statistical average, not a guarantee for any specific year or address.