Blog · October 14, 2026 · Missouri
Using the Ferguson Flood Map
The zone on FEMA's map affects insurance, building and resale near Dellwood.
Main page: St. Louis County, MO GIS & Parcel Viewer (official map link, county facts and neighboring maps).
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Before an offer near Cool Valley, pull up the Ferguson flood map: the zone on that map shapes insurance, permits and resale. Covered here for Ferguson: finding the address on FEMA's map, decoding A, AE and X, and pairing it with the St. Louis County ArcGIS parcel map.
Getting started with the Ferguson flood map
Start with FEMA's Flood Map Service Center: search an address around Berkeley, then open the map view for that panel. Vacant ground around Country Club Hills can still be found: pan from the closest town and click inside the land.
Pulling up a parcel
Go first to the St. Louis County ArcGIS parcel map; it covers each tax parcel from Country Club Hills to Berkeley. For a tract near Calverton Park, enter a street address, an owner's name or a parcel number, and the viewer zooms to the match. For property near Berkeley, save the parcel ID before closing the panel; every records desk in the county asks for it first.
City limits and county records
Ferguson is part of St. Louis County, Missouri, so its parcels are on the county's map. For property near Kinloch, city or town hall handles things like zoning, permits and utilities within town limits, while the county keeps the tax map. Lots just outside the town limits near Calverton Park often follows county rules instead.
Taking the map into the field
The parcel map usually runs in a mobile browser, which helps when you're standing on land near Country Club Hills, but coverage can be spotty out of town. A printout of the tract near Dellwood keeps working without signal.
When a parcel crosses a boundary
St. Louis County meets Madison County, IL, Monroe County, IL, St. Clair County, IL, Franklin County, and Jefferson County, all with their own assessor records. Ground near Country Club Hills that runs to the line can be split across two assessors' files, so open the neighboring map as well. For a parcel near Cool Valley, the Platbookmapper state page lists each bordering county map for Missouri.
Low spots and local drainage
Creeks and ditches near Dellwood aren't always studied in detail, so look for water marks and debris lines. Wetlands near Berkeley can limit building even outside a flood zone; check the National Wetlands Inventory mapper for a first look.
A word on accuracy
Listed acreage is an assessed number; just a licensed surveyor can set the real boundary on land around Dellwood. Out toward Kinloch, records update in batches, so a deed recorded last month can take weeks to appear.
What the zone letters mean
An AE label includes a base flood elevation (BFE), while plain Zone A does not; builders around Kinloch design to it. With a lot near Cool Valley, a low-risk label isn't a guarantee: FEMA notes that many claims come from moderate- and low-risk areas.
Recorded documents worth pulling
The map is an index, not the title: recorded deeds, subdivision plats and easements for land near Calverton Park sit with the Recorder of Deeds. Older tracts near Country Club Hills may go back through many deeds, and a title company is worth hiring if money is changing hands.
Use the county map alongside FEMA
FEMA doesn't draw property lines, so check the St. Louis County ArcGIS parcel map too for the outline of the tract near Cool Valley.
Lenders and permits
For a structure inside an A or V zone and the loan is federally backed or regulated, the lender will require flood insurance where the community participates in the National Flood Insurance Program, which applies near Berkeley as much as anywhere. Remodeling a house in a zone near Cool Valley can trigger elevation rules; call the permitting office early.
A short flood checklist
Ask the seller about past flood claims on the property near Berkeley; getting a quote early avoids surprises.
Getting answers from the right desk
Questions about value or the owner field for land near Calverton Park belong with the County Assessor, since that office keeps the assessment data. Zoning, permits and septic questions near Country Club Hills are for the local planning and health departments, town or county, depending on location.
Frequently asked
Is AE a high-risk flood zone for land near Country Club Hills?
Generally, AE is a Special Flood Hazard Area with a published base flood elevation, so builders near Cool Valley design to that elevation.
What is a base flood elevation in Ferguson?
In most cases, the base flood elevation is the water level expected in the 1% annual chance flood; surveyors near Berkeley use it often.
Where can I see the Ferguson flood map for free?
For most people, FEMA's free map shows the zone for any spot near Country Club Hills; no account is needed.
When is flood insurance required around Country Club Hills?
For most people, lenders generally require it for buildings near Calverton Park in a Special Flood Hazard Area when the loan is federally regulated or insured; elsewhere it's optional.
Where is the legal description for land near Cool Valley?
Around Berkeley, Deeds use lot and block, metes and bounds or survey descriptions, and the parcel record often summarizes it.
Open the official St. Louis County, MO parcel map See it in the Platbookmapper directory
Not a survey. County GIS and tax parcel maps are assessment and planning layers. They are not a substitute for a recorded plat, deed, or licensed survey, especially for fences, setbacks, or boundary disputes.