Garrard County, KY
Composite Insurance Risk Score: 60.9 / 100 (National rank: #898)
Axis Scores
Climate Safety
80.2
Insurance Affordability
42.6
Housing Affordability
37.1
Community Resilience
47.9
Social Resilience
79.7
Housing Stability
79.1
Key Metrics
| Annual Insurance Premium (state avg) | $2,000 |
| Insurance Burden (% of income) | 3.17% |
| Price-to-Income Ratio | 3.25 |
| FEMA Risk Score (0-100) | 19.7 |
Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).