Anderson County, Kentucky · Lawrenceburg
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Anderson County averages 22 nights a year at 20°F or colder, mostly December to February, and 13% of its homes predate 1960.
Heavy rain days of an inch or more come about 11.5 times a year here, most often in February. A sump pump that hasn't run since last season is a common weak point.
Sewage backups in Anderson County spike on heavy-rain days, about 11.5 a year, when sewer mains fill up and water finds the lowest drain.
Roof leaks here come from summer downpours and, with about 73 freeze-thaw days a year, from winter ice dams. Most show up as ceiling stains in the room below.
7% of occupied homes in Anderson County heat mainly with wood or propane, below the Kentucky county median of 12.6%.
About 60 nights a year here stay at 65°F or warmer, so basements and crawl spaces can grow mold even without a leak.
Local risk profile
With 10,326 homes and around 24,353 residents, Anderson County is 202 square miles of central Kentucky. Lawrenceburg is the county seat. Much of its housing is recent, with a median build year of 1989.
50/100 Water Damage Risk Index: Elevated Anderson County ranks 67 of 120 Kentucky counties. See the statewide ranking and method.The three factors where Anderson County ranks highest compared with other Kentucky counties.
Anderson County gets more hard-freeze nights than most of Kentucky. It averaged 84 freezing nights a year over 2015–2024, 22 of them at 20°F or colder, cold enough for pipes in outside walls and crawl spaces to freeze. Among 120 Kentucky counties that's 16th.
On February 21, 2015 the low fell to about -13°F, and in the stretch ending February 2021 the county went 9 days in a row below freezing. Leaks from split pipes typically appear the day the thaw arrives.
Most freezing nights fall from December to February, peaking in January. Disconnect garden hoses and shut off outdoor spigots before the first hard frost, and keep the heat at 55°F or higher if you'll be away.
Freezing nights typically start around Oct 30 and end around Apr 14.
Rainfall is about average for Kentucky. About 11.5 days a year bring an inch or more (68th of 120), most often in February, out of 54.5 inches of total precipitation. On July 14, 2015, 3.51 inches fell in a single day. The worst three-day stretch dropped 5.17 inches, ending July 15, 2015, the kind of soaking that overwhelms sump pumps and storm sewers.
Freeze-thaw days, below freezing overnight and above it by afternoon, come about 73 times a year here. They're the main driver of ice dams and of water working its way through foundation cracks in late winter.
Housing
Roughly 32% of the county's housing was built before 1980. That puts Anderson among the newer housing stocks of Kentucky's 120 counties.
Housing age is mixed: 13% of homes are pre-1960 and 22% are 2000 or newer. Ask any plumber which era your house is from and you'll know which failures to watch for.
About 46% of homes went up between 1980 and 1999. Some houses from the late 1970s to the mid-1990s were plumbed with polybutylene, a gray plastic pipe known for failing at fittings. A plumber can tell you in a few minutes whether you have it.
Beyond water
Anderson County averages 60 warm, muggy nights a year (lows of 65°F or more) and gets the most rain in July. The EPA recommends keeping indoor humidity below 60%, ideally 30 to 50%. Basements can pass 60% on their own in summer, so a dehumidifier matters even without a leak, and anything wet should be dried within 24 to 48 hours.
Mold remediation: what to expectBy main heating fuel, Anderson County homes break down as 21% utility gas, 71% electric, 4% propane and 2% wood. Heating equipment, cooking and electrical failures cause most home fires nationally. Even a small kitchen fire can leave soot through the whole house, because smoke follows air currents into closets, ducts and attic space.
Fire and smoke cleanup: first stepsCoverage
Calls connect to restoration companies that work across Anderson County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
Shelby gets more pipe-freeze nights than Anderson. Franklin County has the oldest housing nearby, with 55% of homes built before 1980.
By the numbers
| Factor | Anderson | Kentucky median | Rank |
|---|---|---|---|
| Homes built before 1960 | 13% | 18% | 92 of 120 |
| Homes built before 1980 | 32% | 44% | 107 of 120 |
| Homes built 2000 or later | 22% | 25% | 82 of 120 |
| Manufactured or mobile homes | 6.6% | 19% | 102 of 120 |
| Vacant homes | 6.5% | 13% | 109 of 120 |
| Wood or propane heat | 6.5% | 13% | 96 of 120 |
| Nights at 20°F or colder | 22/yr | 20/yr | 16 of 120 |
| Days with 1 inch+ of rain | 12/yr | 12/yr | 68 of 120 |
| Freeze-thaw days | 73/yr | 73/yr | 55 of 120 |
| Muggy nights (65°F+) | 60/yr | 59/yr | 51 of 120 |
Rank 1 is the highest value. Bars run from the lowest to the highest Kentucky county; the tick marks the median; orange means higher water damage risk than the median, green means lower.
Questions
Peak risk months in Anderson County: freezing from December to February, heavy rain in February, March and June.
Sources: U.S. Census Bureau, ACS 2024 5-year estimates (2020-2024); weather from NOAA nClimGrid-Daily county averages (EpiNOAA), 2015–2024, averaged across the county; county boundaries from Census TIGER. Reviewed 2026-10-21. Methodology