Hunt & Live

Garrard County, KY

17,589 residents · 230 sq mi · 76.5/sq mi · 100% rural

Climate
55.8°F
49.6" rain/yr
Water
humid
Aridity index 1.88
Hardiness
Zone 8b
Winter low ~15.1°F

About Garrard County

Garrard County is a county located east-central Kentucky. As of the 2020 census, the county's population was 16,953. Its county seat is Lancaster. The county was formed in 1796 and was named for James Garrard, Governor of Kentucky from 1796 to 1804. One of the earliest settlers was Harman Back Jr. (1737–1797). He, his wife Katherine, and their three sons had migrated there, in 1789, from Little Fork, Virginia.

48
Prepper Suitability
worsebetter
National rank: #1676 of 3,109
Locator map
Location within the continental US

Prepper Assessment

Living in this area offers a rural lifestyle with a population density of 76.5 people per square mile, which allows for a sense of space and remoteness. The climate is characterized by a humid subtropical environment, with an annual mean temperature of 55.8°F and an average of 49.6 inches of rainfall per year. This region falls within USDA zone 8b, providing a potentially long growing season ideal for various crops, though the climate may limit some cold-weather crops.

Residents should be aware of several natural hazards, as the county ranks high for strong wind (69) and ice storms (61), which can disrupt daily life and damage property. While the violence percentile is 86, indicating a lower risk of violent crime, the overall disaster percentile of 30 suggests a greater vulnerability to natural disasters. The median home price of $170,800 is relatively affordable, but the 60% broadband subscription rate indicates limited internet access, which could affect remote work or online education opportunities.

This county may suit those seeking a quiet, rural lifestyle with access to nature and farming opportunities, particularly for individuals experienced in self-sufficiency. However, it may not be ideal for those relying heavily on technology or looking for urban amenities. The potential for severe weather events and limited broadband connectivity could be dealbreakers for some, while the affordability of housing and the lush climate can be a hidden gem for aspiring homesteaders.

AI-generated analysis based on county data (climate, hazards, density, housing, economy). For general orientation only.

Key Facts

Ranked #2,164 nationally
Out of 3,109 CONUS counties for composite prepper suitability.
#82 of 120 in KY
Ranked #82 of 120 counties statewide for prepper suitability.
Dominant hazard: strong wind
FEMA ranks strong wind risk at 69/100 here — the leading natural threat.
Rural-suburban mix
76.5 people per square mile.
Climate profile
Classified as humid with a 55.8°F annual mean and 49.6" of annual precipitation. USDA hardiness zone 8b.
Housing & taxes
Median home value $170,800.

Score Breakdown

Violence
63
percentile (lower = safer)
Disasters
30
percentile (lower = safer)
Density
65
percentile (lower = emptier)
Overall FEMA Risk
30.2
NRI composite (0-100)

Natural Hazard Profile (FEMA NRI)

Cold Wave 48
Drought 32
Earthquake 49
Hail 62
Hurricane 45
Heat Wave 29
Riverine Flood 41
Ice Storm 61
Landslide 42
Lightning 51
Strong Wind 69
Tornado 58
Wildfire 18
Winter Weather 59

Monthly Climate (1991–2020 normals)

Average temperature
JFMAMJ JASOND
Monthly precipitation (inches)
JFMAMJ JASOND
Summer high
86.1°F
Winter low
25.1°F
Heating degree days
4,484
Cooling degree days
1,166

Housing & Economy

Median home value
$170,800
Median HH income
$58,263
Price to income
2.9×
Property tax rate
0.79%
~$1,342/yr median

Community Profile

Median age
43.5
Homeownership
80.9%
Poverty rate
15.7%
Unemployment
5.3%

Connectivity

Broadband households
59.5%
No internet access
12.7%

Explore Garrard County Further

Similar Counties

Data sources. Prepper scores are national percentile ranks of firearm fatalities (County Health Rankings 2024 / CDC WONDER), FEMA National Risk Index 2023 composite disaster score, and population density (ACS 2022 + TIGER 2022 land area). Climate from NOAA nClimDiv 1991–2020 normals. Hardiness zone is estimated from climate data and may differ from the official USDA PHZM. Demographics and housing from Census ACS 5-year 2022. All scores are for comparison purposes only and do not constitute advice about where to live.