Garrard County, KY: Home-Insurance Distress & Forced-Sale Pressure
Garrard County, KY: 79/100 (severe) home-insurance distress; Garrard, KY band MEDIUM; Garrard, KY #394 of 3,222 counties; Garrard, KY #33 of 120 in Kentucky; raw Garrard, KY 78.4.
FEMA hazard, Garrard, KY: 74/100; Garrard, KY declarations, three years: 12; Garrard, KY perils: 10 severe-storm; Garrard, KY five-year count 18 (severity 31.5); Garrard, KY ten-year 18; hazard-weighted, Garrard, KY: 10.0.
Declared incidents on the Garrard, KY record: 2026 Winter Storm 3; 2026 Severe Storm 3 (Garrard, KY); 2025 Severe Storm 9; 2024 Severe Storm 3 (Garrard, KY); 2023 Severe Storm 3 (Garrard, KY).
NFIP claims, Garrard, KY, three years: 6; Garrard, KY payouts $459,071; per Garrard, KY claim $76,512; Garrard, KY claim-stress 86/100.
Garrard, KY monthly score rose, 82 (March 2026) to 85 (October 2026); Garrard, KY by month: March 82, April 82, May 79, June 79 (Garrard, KY), July 87, August 77, September 80, October 85.
Garrard, KY components: climate 85, NFIP claims 86; Garrard, KY retreat index 85.
Construction distress, Garrard, KY: 58/100 as of August 2026 (Garrard, KY: 46/100 one-to-four unit, 40/100 multifamily).
Garrard, KY ZIPs, June 2026 (Garrard, KY, 5 highest): score 0 (Garrard, KY), climate 65 (Garrard, KY): 40403; score 0 (Garrard, KY), climate 43 (Garrard, KY): 40461; score 0 (Garrard, KY), climate 32 (Garrard, KY): 40419; score 0 (Garrard, KY), climate 30 (Garrard, KY): 40484; score 0 (Garrard, KY), climate 26 (Garrard, KY): 40444.
DLRadar rescores Garrard, KY monthly; Garrard, KY readings join Garrard, KY foreclosure, lien and ownership parcels (Garrard, KY), so cost-squeezed Garrard, KY owners surface before listing.
Inside Kentucky, Garrard County ranks 31st of 120 counties for home-insurance distress at 79/100; Simpson County (79/100) sits just above Garrard County, and Floyd County (79/100) sits just below Garrard County.
Deterministic. Every Garrard County, KY signal traces to a public Garrard dataset (FEMA, NFIP, Census for Garrard, KY) · how insurance distress works in Garrard, KY · methodology
FAQ: Garrard County, KY insurance distress
What is the Garrard County, KY home-insurance-distress score?
Garrard, KY: 79/100 (MEDIUM), #394 of 3,222, #33 in Kentucky. FEMA hazard, Garrard, KY: 74/100; NFIP stress, Garrard, KY: 86/100; construction, Garrard, KY: 58/100; Garrard, KY rescores monthly.
Is Garrard County insurance distress getting better or worse (KY)?
Garrard, KY: 82 in March 2026; Garrard, KY: 85 in October 2026 (worse); Garrard, KY climate component 85; Garrard, KY NFIP claims score 86.
How many flood-insurance claims has Garrard County, KY had?
Garrard, KY: 6 NFIP claims, three years; Garrard, KY paid $459,071; per Garrard, KY claim $76,512; carriers reprice Garrard, KY against that record.
Which Garrard County ZIP codes carry the most insurance distress (KY)?
Garrard, KY, June 2026: 40403 at 0, 40461 at 0, 40419 at 0, 40484 at 0; Garrard, KY climate scores there: 65, 43, 32, 30.
Why does Garrard, KY insurance distress create sellers?
A Garrard, KY premium outruns the Garrard, KY budget; a carrier leaves Garrard, KY; Garrard, KY carrying cost passes plan; Garrard, KY owners sell while current; Garrard, KY insurance distress leads Garrard, KY foreclosure data.