Garrard County, Kentucky: Natural Disaster Risk and History
Garrard County, Kentucky has a Very Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 30.2 out of 100, higher than about 30% of US counties, with strong winds, hail and ice storms scoring highest of its 18 hazards and $6.8 million a year in expected losses.
OpenFEMA lists 18 federal disaster declarations that included Garrard County since 1993, not counting 2 for COVID-19; the latest is DR-4937-KY (Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides, declared 1 September 2026). NOAA's Storm Prediction Center recorded 11 tornadoes touching Garrard County from 1950 to 2025.
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Population 16,946 Buildings worth $3.4 billion Area 236 sq mi Risk rank in Kentucky 82 of 120 FIPS 21079
All 18 hazards, highest risk first
FEMA National Risk Index| Hazard | Risk rating | Score | Expected loss a year | How often | Events in record |
|---|---|---|---|---|---|
| Strong wind | Relatively Moderate | 69.4 | $665,501 | about 6.6 a year | 250 |
| Hail | Relatively Low | 62.3 | $284,891 | about 3.3 a year | 127 |
| Ice storm | Relatively Moderate | 61.2 | $98,396 | about once every 1.1 years | 59 |
| Winter weather | Relatively Low | 58.9 | $60,430 | about 11 a year | 199 |
| Tornado | Relatively Low | 57.6 | $1.1 million | about once every 9.0 years | 14 |
| Lightning | Relatively Low | 50.7 | $164,511 | about 52 a year | 28,287 strikes |
| Earthquake | Very Low | 49.4 | $184,956 | about once every 495 years | — |
| Cold wave | Relatively Low | 48.2 | $611,293 | about once a year | 19 |
| Hurricane | Very Low | 44.8 | $30,872 | about once every 35 years | 6 |
| Landslide | Very Low | 41.7 | $512 | about once every 2.0 years | — |
| Inland flooding | Relatively Low | 40.9 | $3.5 million | about once every 1.2 years | 23 |
| Drought | Relatively Low | 32.1 | $21,933 | about 2.9 a year | 91 |
| Heat wave | Very Low | 29.2 | $87,889 | about 2.6 a year | 40 |
| Wildfire | Very Low | 18.1 | $4,468 | rarer than once in 1,000 years | — |
| Avalanche | Not Applicable | — | — | — | — |
| Coastal flooding | Not Applicable | — | — | — | — |
| Tsunami | Not Applicable | — | — | — | — |
| Volcanic activity | Not Applicable | — | — | — | — |
Score: FEMA's percentile among US counties that face the hazard (higher = more risk). Expected loss: FEMA's modelled average yearly loss to buildings, people (as a statistical value) and crops. How often: FEMA's annualised frequency of the hazard in the county; for some hazards it counts event-days, so it is a rough guide, not a forecast. "Not Applicable" means FEMA does not model that hazard here.
Federal disaster declarations 18
Most common: Severe Storm 10, Severe Ice Storm 3, Snowstorm 3, Winter Storm 1.
| Decade | Declarations | Incident types |
|---|---|---|
| 1990s | 4 | Snowstorm ×3, Severe Storm |
| 2000s | 5 | Severe Ice Storm ×2, Severe Storm ×2, Hurricane |
| 2010s | 1 | Severe Storm |
| 2020s | 8 | Severe Storm ×6, Winter Storm, Severe Ice Storm |
The last 10
Widest declarations that included Garrard County
- Severe Winter Storm (2026, EM-3633-KY): 120 Kentucky counties designated.
- Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (2025, EM-3626-KY): 120 Kentucky counties designated.
- Severe Storms, Straight-Line Winds, Flooding, and Landslides (2025, EM-3624-KY): 120 Kentucky counties designated.
Named storms in its declarations: Hurricane Katrina (2005).
Not counted above: 2 COVID-19 ("Biological") declarations — in 2020 every US county was included. Kentucky also had 4 statewide declarations with no county list.
Tornado record since 1950 11
| Tornadoes touching the county | 11 |
|---|---|
| Strongest-rated | (E)F4 ×1 |
| Peak month | April (3) |
| Deadliest | 3 Apr 1974, F4, 31.9 mi path, 7 killed, 28 injured |
| Longest path | 3 Apr 1974, F4, 31.9 mi path, 7 killed, 28 injured |
| Most recent | 3 Apr 2025, EF1, 8.7 mi path |
| Deaths / injuries on those paths | 9 / 43 |
| Rating | (E)F0 | (E)F1 | (E)F2 | (E)F3 | (E)F4 | (E)F5 | Unrated |
|---|---|---|---|---|---|---|---|
| Count | 1 | 8 | 0 | 1 | 1 | 0 | 0 |
| Decade | 1950s | 1960s | 1970s | 1980s | 1990s | 2000s | 2010s | 2020s |
|---|---|---|---|---|---|---|---|---|
| Count | 0 | 0 | 1 | 1 | 2 | 2 | 1 | 4 |
Deaths and injuries are for each tornado's whole path, which can run beyond this county. F-scale ratings before February 2007, Enhanced Fujita (EF) after.
How Garrard County compares with its 5 nearest counties
| County | Distance | Overall risk | Score | Top hazard |
|---|---|---|---|---|
| Garrard County (this page) | — | Very Low | 30.2 | Strong wind |
| Lincoln County | 23 km | Very Low | 32.6 | Strong wind |
| Madison County | 25 km | Relatively Low | 74.8 | Lightning |
| Jessamine County | 26 km | Very Low | 39.8 | Strong wind |
| Boyle County | 29 km | Very Low | 41.6 | Strong wind |
| Mercer County | 35 km | Very Low | 41.4 | Strong wind |
Nearest by distance between county centres. Every county in Kentucky, ranked.
Vulnerability and resilience
| Social vulnerability | Very High 86.0 |
|---|---|
| Community resilience | Relatively Moderate 48.7 |
| Community risk factor | 1.51 |
| Expected annual loss, all hazards | $6.8 million |
FEMA scales expected losses up where social vulnerability is high (people who may find it harder to prepare, evacuate or recover) and down where community resilience is high. A factor above 1 raises the risk score. For social vulnerability a high rating is worse; for resilience a high rating is better.
Prepare for Garrard County's main hazards
- Right now: National Weather Service alerts for Kentucky · all official warnings on Global Incident Tracker.
- Strong wind: Power outages now
- Hail: Weather alerts for Kentucky
- Ice storm: Power outages now · Carbon monoxide in winter
- Your property's flood zone: FEMA Flood Map Service Center ↗ — this page cannot tell you that.
- Official preparedness guidance: Ready.gov ↗ and your county emergency management office.
What this page shows, and what it misses
FEMA's National Risk Index rates a whole county against every other US county; it is a planning-level estimate for nationwide comparison, not a flood-zone map and not a substitute for a local risk assessment or the risk to one home. Declarations are presidential disaster, emergency and fire management declarations that named this county; state declarations and SBA or USDA designations are not included. Tornadoes are counted when the county is one of up to four listed on the track; 670 tornadoes that crossed a state line carry no county list in NOAA's file and are left out.
Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties - v1.20.0 (December 2025). Retrieved from https://services.arcgis.com/XG15cJAlne2vxtgt/ArcGIS/rest/services/National_Risk_Index_Counties/FeatureServer/0/query on November 2, 2026, 1:20 PM EST. This product uses the Federal Emergency Management Agency’s National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Federal Emergency Management Agency (FEMA), OpenFEMA Dataset: Disaster Declarations Summaries - v2, retrieved from https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries on November 2, 2026, 1:21 PM EST. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Tornado records: NOAA/NWS Storm Prediction Center, Severe Weather Database, tornadoes 1950–2025 (https://www.spc.noaa.gov/wcm/data/1950-2025_actual_tornadoes.csv, downloaded 2 November 2026). Public domain; not endorsed by NOAA. Compiled by Global Incident Tracker.
Questions about Garrard County
What natural disasters is Garrard County, Kentucky most at risk from?
Garrard County, Kentucky has a Very Low natural-hazard risk rating in FEMA's National Risk Index (v1.20, December 2025): a score of 30.2 out of 100, higher than about 30% of US counties, with strong winds, hail and ice storms scoring highest of its 18 hazards and $6.8 million a year in expected losses.
How many federal disaster declarations has Garrard County had?
OpenFEMA lists 18 federal disaster declarations that included Garrard County since 1993, not counting 2 for COVID-19; the latest is DR-4937-KY (Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides, declared 1 September 2026). Another 4 Kentucky declarations were made statewide without a county list.
How many tornadoes have hit Garrard County?
NOAA's Storm Prediction Center recorded 11 tornadoes touching Garrard County from 1950 to 2025. The deadliest: 3 Apr 1974, F4, 31.9 mi path, 7 killed, 28 injured (deaths and injuries are for the whole path).
Is the National Risk Index a flood zone map?
No. The National Risk Index is a planning-level estimate for a whole county, built for nationwide comparison. It does not tell you the flood zone or the risk of a single property: for that, look up the address on FEMA's Flood Map Service Center (msc.fema.gov) and ask your local floodplain manager.