A Kentucky-only license makes half the metro a waste of budget
Before anybody touches a keyword list, decide which side of the Ohio River you are equipped to serve.
Louisville is in Kentucky. Jeffersonville, New Albany and Clarksville are in Indiana, minutes away, in the same metro and the same dinner-table conversation. Licensing, registration and taxes differ by state, and it is worth confirming your standing with the local building department, your insurer or your own counsel.
Google does not know any of that. A twenty-mile radius from a yard near the Watterson spends real money in Clark and Floyd counties whether or not you can take the work.
Run Kentucky and Indiana as separate campaigns with separate budgets, separate ad copy and separate landing pages. Then you can see what each side actually costs and shut one off without touching the other.
Use presence targeting rather than presence or interest, and read the location report every month. Radius settings drift, and platform defaults do not care about state lines.