FEMA Records
7
Total declarations
Kentucky · FEMA + NOAA + National Risk Index
Garrard County, KY
7 FEMA disaster declarations (2021–2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 7
- FEMA declarations
- 4
- Major disasters
- 30
- NRI risk · Very Low
- Severe Storm
- Top hazard
FEMA's National Risk Index places Garrard County in the top 70% of U.S. counties for overall natural-hazard risk, and its FEMA disaster-declaration count is higher than 86% of all 2,729 counties tracked.
How does Garrard County compare?
FEMA disaster declarations, this county versus the Kentucky county average and the national county average.
- Garrard County
- 7
- Kentucky county avg
- 7.9
- National county avg
- 3.7
How disaster-prone is Garrard County?
Garrard County, Kentucky has recorded 7 FEMA disaster declarations between 2021 and 2026, of which 4 were classified as Major Disaster declarations (DR) requiring federal individual and public assistance. That puts the county's average at 1.4 declarations per year across a 5-year record, or roughly 11% below the Kentucky county average of 7.9 and 87% above the national county average of 3.7. Declaration counts reflect federal recognition of event severity, not pure hazard frequency — smaller incidents handled locally never appear in FEMA's ledger.
The dominant disaster type on record is Severe Storm, with 5 of 7 declarations falling under this category. FEMA's National Risk Index assigns this county an overall risk rating of Very Low (composite score 30.2/100), driven by an Expected Annual Loss rating of Very Low equivalent to roughly $6.8M in annualized losses. Social vulnerability scores Very High and community resilience scores Relatively Moderate — two factors that modify raw hazard exposure into actual harm. The single highest-risk natural hazard identified for this county is Strong Wind (Relatively Moderate).
NFIP flood insurance claims data for this county is not present in the FEMA claims extract, which typically indicates either low historical flood activity or low policy penetration. Taken together, these indicators place Garrard County at a moderate relative risk level for federally recognized disasters. Households should pair this historical lens with forward-looking hazard maps — flood zones, wildfire risk overlays, and seismic zones published by FEMA and state emergency management — before making preparedness, insurance, or relocation decisions.
Risk Assessment
How Garrard County's disaster history compares to state and national averages.
Risk Level
Moderate
vs. Kentucky Avg
-11%
State avg: 7.9
vs. National Avg
+87%
National avg: 3.7
Avg Per Year
1.4
Over 5 years
FEMA NRI 8-hazard radar — Garrard County
The radar plots Garrard County's relative exposure to the eight headline natural hazards used by the FEMA National Risk Index. Each axis is the qualitative NRI risk rating (Very Low through Very High) re-expressed on a 0-100 scale so that the polygon shape lets you compare a county against another at a glance.
NRI Source
FEMA 2023
Latest NRI release
County FIPS
21079
KY state code
Source: FEMA National Risk Index FEMA National Risk Index Per-county per-hazard ratings, 2023 release
Disaster Types
Breakdown of 7 FEMA disaster declarations in Garrard County by incident type.
Severe Storm 5
Winter Storm 1
Severe Ice Storm 1
Declaration Types
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster — 4 57.1%
of all 7 declarations
Emergency — 3 42.9%
of all 7 declarations
FEMA Declarations Timeline
Disaster declarations per year for Garrard County.
| Year | Declarations | |
|---|---|---|
| 2026 | 1 | |
| 2025 | 3 | |
| 2024 | 1 | |
| 2023 | 1 | |
| 2021 | 1 | |
Disaster Declarations
All 7 FEMA disaster declarations for Garrard County, Kentucky.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3633 | SEVERE WINTER STORM | EM | Winter Storm | 2026-01-24 |
| 4864 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2025-04-24 |
| 3626 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | EM | Severe Storm | 2025-04-03 |
| 3624 | SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND LANDSLIDES | EM | Severe Storm | 2025-02-16 |
| 4804 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2024-07-23 |
| 4702 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2023-04-10 |
| 4592 | SEVERE WINTER STORMS, LANDSLIDES, AND MUDSLIDES | DR | Severe Ice Storm | 2021-03-31 |
Storm Events in Kentucky
NOAA severe weather data for Kentucky (2015–2025). Storm event data is tracked at the state level.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 7,379 | 9 | 57 | $59.3M |
| Flash Flood | 1,964 | 72 | 16 | $43.3M |
| Flood | 1,806 | 36 | 7 | $42.2M |
| Hail | 1,796 | 1 | 0 | $7.2M |
| Winter Weather | 1,180 | 15 | 57 | $1.0M |
Source: NOAA Storm Events Database NOAA Storm Events Database State-level aggregated data, 2015–2025
FEMA National Risk Index
FEMA's composite risk score combining 18 natural hazard types, social vulnerability, and community resilience for Garrard County.
Overall Risk
Very Low
Score: 30.2/100
Expected Annual Loss
Very Low
$6.8M/year
Social Vulnerability
Very High
Community Resilience
Relatively Moderate
Hazard Risk Breakdown
Risk rating for each of the 18 FEMA NRI natural hazard types in Garrard County.
Strong Wind Relatively Moderate
Hail Relatively Low
Ice Storm Relatively Moderate
Winter Weather Relatively Low
Tornado Relatively Low
Lightning Relatively Low
Earthquake Very Low
Cold Wave Relatively Low
Hurricane Very Low
Landslide Very Low
Drought Relatively Low
Heat Wave Very Low
Wildfire Very Low
Source: FEMA National Risk Index (NRI) FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
Counties with Similar Risk in Kentucky
Other Kentucky counties with similar disaster declaration counts.
Disaster Preparedness Guides
Related
Frequently Asked Questions
How many natural disasters has Garrard County, Kentucky had?
Garrard County, Kentucky has received 7 FEMA disaster declarations from 2021 to 2026. Of these, 4 were major disaster declarations.
What is the most common disaster type in Garrard County?
The most common disaster type in Garrard County is Severe Storm, with 5 declarations. Other disaster types include Winter Storm (1), Severe Ice Storm (1).
How does Garrard County's disaster risk compare to the Kentucky average?
Garrard County has 7 disaster declarations, which is 11% lower than the Kentucky county average of 7.9 declarations. Compared to the national county average of 3.7, it is 87% higher.
How many major FEMA disaster declarations has Garrard County received?
Garrard County has received 4 major disaster declarations, representing 57% of all 7 disaster declarations. Major disaster declarations typically involve significant damage requiring federal assistance.
What types of storms are most common in Kentucky?
The most common storm types in Kentucky include Thunderstorm Wind (7,379 events), Flash Flood (1,964 events), Flood (1,806 events). NOAA storm event data covers severe weather from 2015 to 2025.
What was the worst year for disasters in Garrard County?
The most active year for disaster declarations in Garrard County was 2025, with 3 declarations. The county has FEMA disaster data spanning 2021 to 2026.
What is the overall disaster risk level for Garrard County?
Based on FEMA declaration history, Garrard County has a moderate disaster risk level with 7 total declarations. This county has a moderate number of disaster declarations.
What is the FEMA National Risk Index score for Garrard County?
According to the FEMA National Risk Index, Garrard County, Kentucky has an overall risk score of 30.2 out of 100 (Very Low). The county's social vulnerability rating is Very High and community resilience is Relatively Moderate. The Expected Annual Loss (EAL) score is Very Low, representing $6.8M in annualized losses.
Which natural hazard poses the greatest risk to Garrard County?
Based on FEMA NRI data, the highest-risk natural hazard in Garrard County is Strong Wind (risk rating: Relatively Moderate). Other significant hazards include Hail (Relatively Low) and Ice Storm (Relatively Moderate). These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015–2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
What this means for Garrard County
Garrard County, KY has 7 FEMA disaster declarations on record — a moderate historical disaster load, 11% below the Kentucky county average.
- Its most common federal declaration type is major disaster (4 of 7) — know the hazards most likely here before they happen. Kentucky overview
- See how this county ranks against the rest of the country for disaster frequency. Most-disaster rankings
- Read how to read FEMA declarations, NRI risk scores, and what they do and don't tell you. Disaster-data guide
Historical declaration counts describe past federal response, not a forecast. For current threats, follow the National Weather Service and local officials; in an emergency call 911.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA — Disaster Declarations Summaries v2 — all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) — per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database — state-level storm/severe-weather event records, 2015–2025. ncdc.noaa.gov/stormevents
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
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