Garrard County, Kentucky
3 ZIP codes · Avg score 71/100 · Grade B · Updated 2026-07-19
ZipCheckup grade for Garrard: B.
This ZIP looks solid, with a few items worth a quick check.
Garrard County's tap water quality puts it in the upper tier nationally; the 3 ZIP codes here record few health-based violations.
How Garrard County Compares
How Garrard County Compares
Garrard County scores 10 points above the Kentucky state average (61/100) and 3 points above the national average (68/100).
Data: EPA SDWIS Last verified: 2026-07-19
Key Risk Factors
Estimated additional annual cost per homeowner: $390, driven primarily by flood
Infrastructure: 0.333% avg pipe failure probability
Infrastructure Overview
Sources: Census ACS (housing age), EPA SDWIS (infrastructure risk model), state bridge inspection data.
Compound Risk Breakdown
Estimated additional annual cost per homeowner: $390
Bar widths proportional to share of total annual risk cost. Source: compound risk model (FEMA, EPA, USGS).
Water Safety Affordability
How much it costs to fix water issues relative to home values in Garrard County
Remediation costs are relatively manageable for most homeowners in Garrard County, representing a small fraction of property value.
Remediation includes water filtration, lead abatement, radon mitigation, and flood protection where applicable. Source: Census ACS, EPA SDWIS.
Water systems serving Garrard County
6 community water systems serving Garrard County.
- B
- B
- B
- B
- B
- B
Systems with the most violations in Garrard County
1 water system with recorded EPA violations.
- B
All ZIP Codes in Garrard County
3 ZIP codes tracked in Garrard County.
| # | ZIP Code | City | Safety Score | Grade | Violations | Home Value |
|---|---|---|---|---|---|---|
| 1 | 40446 | Lancaster | 83 | B | 1 | — |
| 2 | 40444 | Lancaster | 78 | B | 1 | $194K |
| 3 | 40410 | Bryantsville | 53 | D | 0 | — |
Recommended Buyer Guides for Garrard County
Eight risk categories drive the selection - PFAS exceedance, lead above EPA action level, pre-1978 housing share, EPA Radon Zone 1, flood-top-risk, wildfire-top-risk, multi-contaminant load, and a baseline fallback - and each category maps to a specific buyer-guide track that surfaces when the county data hits its threshold for that hazard signal.
- Best Sump Pumps — Flood is the top compound risk factor
- Best Mold Test Kits — Flood-driven moisture and mold risk
Overview
Garrard County in Kentucky covers 3 ZIP codes with an average Home Safety Score of B (71/100).
2 of 3 ZIP codes have recorded EPA violations. All violations are monitoring/reporting type.
← Back to Kentucky water quality report
Data Sources
- Water quality: EPA Safe Drinking Water Information System (SDWIS)
- Home values: U.S. Census Bureau ACS (median estimates by ZCTA)
Updated daily.