Garrard County, KY zoning map, flood zone and property lines by address
Free, no account. Or open the Kentucky map and tap a lot.
Towns in Garrard County: Lancaster.
Flood zone by address
ParcelSheet reads FEMA's National Flood Hazard Layer at the lot: the zone, whether it is a high risk area where lenders ask for flood insurance, and the base flood elevation where FEMA lists one. FEMA's countywide study for Garrard County has 25 FIRM panels, the newest effective December 2017; no coastal V zones are mapped in it.
The official panel and any Letter of Map Amendment are at FEMA's Map Service Center. An elevation certificate for a Garrard house comes from a licensed surveyor and is often on file with the county or city building office.
Property lines
The parcel outline, parcel number and mapped size come from the Kentucky county parcel layers (each county publishes its own), so a Garrard lot shows the same lines the county property valuation administrator draws. Garrard County covers about 147,152 acres of land and 2,574 acres of water.
Mapped lines are approximate. The Garrard County property valuation administrator keeps the parcel record (Garrard County website); a licensed surveyor sets the true corners.
Zoning
Garrard County zones its unincorporated land, and Lancaster zones the land inside its limits. ParcelSheet shows the use the county property valuation administrator lists for the lot and links the planning and zoning office for the county for the district, the uses it allows and the lot size it needs.
ADU and guest houses
Under Kentucky's planning and zoning law (Kentucky Revised Statutes Chapter 100), local governments can allow an accessory dwelling unit on a lot with a house. Whether a Garrard lot can add one depends on its district; the planning and zoning office for the county has the rule. ParcelSheet shows the mapped lot size and the ground's slope, the first two things the question turns on.
Septic and soil
ParcelSheet reads the USDA soil survey at the lot: the soil's name, its septic absorption rating and whether it is prime farmland. Garrard County is soil survey area KY618, Garrard and Lincoln Counties, Kentucky, last updated September 2026, on Web Soil Survey.
A new or changed septic system in Garrard County needs a permit from the Garrard County health department (Kentucky Department for Public Health onsite sewage program).
Setbacks
Setbacks in Garrard County come from the zoning district: the front, side and rear distances a house must keep. ParcelSheet does not draw setback lines; the county zoning office gives them for the lot's district, and Lancaster for land inside its limits.
Hazards that apply
- Wetlands and wildfire. ParcelSheet shows the National Wetlands Inventory near a Garrard lot and the Forest Service wildfire hazard rating at it.
Questions
Is my house in a flood zone in Garrard County?
Type the address in the box above and ParcelSheet reads FEMA's flood zone at the lot's center. FEMA's countywide flood map for Garrard County has 25 panels, the newest effective December 2017. A lender or insurer uses the official FIRM panel; FEMA's Map Service Center has it.
How do I find property lines in Garrard County?
Open the Kentucky map, type the address, and the parcel outline from the Garrard County property valuation administrator shows on the map with its parcel number and mapped size. Mapped lines are approximate; only a licensed surveyor sets the true corners.
What is my property zoned in Garrard County?
Zoning in Garrard County is set by the county for unincorporated land and by each city (such as Lancaster) inside its own limits. ParcelSheet shows the use code the county property valuation administrator lists and links the office that sets the zoning; the planning office has the final word.
Can I build an ADU in Garrard County?
Under Kentucky's planning and zoning law (Kentucky Revised Statutes Chapter 100), counties and cities can allow an accessory dwelling unit, and each sets its own rules. In Garrard County ask the zoning office for the lot's district first; ParcelSheet shows the lot size as mapped so you can see the room you have.
Do I need a septic permit in Garrard County?
Yes. A new or changed septic system in Garrard County needs a permit from the Garrard County health department (Kentucky Department for Public Health onsite sewage program). ParcelSheet shows the USDA soil survey's septic rating at the lot, from survey area KY618 (Garrard and Lincoln Counties, Kentucky).
What can I build on 5 acres in Garrard County?
Zoning in Garrard County is set by the county for unincorporated land and each city inside its own limits (such as Lancaster). The zoning district decides the uses, how many homes and the smallest lot it allows on 5 acres. ParcelSheet shows the lot size as mapped and the use code on the parcel record; the planning office has the district and its rules. See the Garrard County website.
What are the residential setbacks in Garrard County (2026)?
Setbacks in Garrard County come from the zoning code of the county, or of the city when the lot is inside city limits: the front, side and rear distances depend on the lot's district. ParcelSheet does not draw setback lines or give a number it did not read; the zoning office gives them for the district. See the Garrard County website.
Next to Garrard County: Boyle County, Jessamine County, Lincoln County, Madison County, Mercer County, Rockcastle County.
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