Blog · October 14, 2026 · Kansas
Independence Flood Zone Map: checking a property's flood zone
The zone on FEMA's map affects insurance, building and resale near Cherryvale.
Main page: Montgomery County, KS GIS & Parcel Viewer (official map link, county facts and neighboring maps).
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Weighing a property around Tyro? The Independence flood zone map tells you whether FEMA puts it in a high-risk zone, and no account is needed. Covered here for Independence: locating a parcel on FEMA's map, decoding A, AE and X, and matching it with the county parcel viewer.
Getting started with the Independence flood zone map
The official source is FEMA's Flood Map Service Center: type an address near Dearing, then open the map view for that panel. Rural land near Coffeyville with no street number is still easy to locate: search the nearest road and click inside the land.
Opening the official parcel viewer
Parcels around Elk City appear on the ORKA parcel viewer, free to use and open without a login. On ground around Coffeyville, put in a street address, an owner's name or a parcel number, then pick the result to center the map on it. Near Coffeyville, the record panel typically gives the owner of record, assessed acreage, the parcel number and in many cases the last transfer.
Where the recorded documents are
When the details count, pull the recorded deed through the Register of Deeds; the parcel map near Cherryvale only summarizes it. Inherited tracts around Coffeyville can trace back through many deeds, so a title company can sort it out on a real sale.
Beyond the mapped zones
Small streams around Tyro may not have detailed mapping, so ask neighbors about past flooding. Marshy spots near Cherryvale can limit building too; check the National Wetlands Inventory mapper for a first look.
What to request from a seller
Request about past flood claims on the property near Cherryvale; getting a quote early keeps the budget honest.
A quick look at the area
Independence holds the county offices, which is where the courthouse records live. You'll also find Liberty, Cherryvale, Elk City, and Dearing, each with its own cluster of lots. Around 30,568 people call Montgomery County home (Census Bureau estimate, 2023) on roughly 644 square miles. Montgomery County dates to 1867, and some chains of title near Liberty are long. Features like Verdigris River make handy reference points on the map near Elk City.
Independence, KS: the basics
Independence sits in Montgomery County, Kansas, which means parcel data comes from the county. Independence is also the county seat, so deeds and plats are filed in town. Closer to Dearing, City or town hall handles things like zoning, permits and utilities for lots inside the boundary, and the county still keeps the parcel and deed records. Land beyond the town limits out by Liberty often follows county rules rather than the town's.
Land on the county line
Montgomery County touches Chautauqua County, Elk County, Labette County, Neosho County, and Wilson County, and each of those keeps its own parcel map. A tract near the line by Tyro may be split across two assessors' files, so look at the neighboring map as well. For property near Dearing, our state page links each neighboring county map across Kansas.
A word on accuracy
The acreage figure is an estimate; only a licensed surveyor sets the real lines on land around Cherryvale. Owner names and values update on a schedule, so a fresh transfer around Elk City might lag behind.
Getting answers from the right desk
Questions about value or the owner field for land near Dearing belong with the County Appraiser, which maintains the tax roll. Zoning, permits and septic questions near Dearing need the planning or permitting office, town or county, depending on location.
How land is described here
Kansas uses the Public Land Survey System, so deeds around Cherryvale reference sections and townships. A standard section is about one square mile, roughly 640 acres, with 36 sections to a township, though sections near Tyro can be irregular. Write down the legal description for the tract near Elk City before you request a deed or survey.
Reading A, AE and X
An AE label includes a base flood elevation (BFE), which plain A zones lack; surveyors near Elk City use that number. Out toward Liberty, minimal risk is not no risk: according to FEMA, floods happen outside mapped zones too.
Lining it up with the parcel map
FEMA doesn't draw property lines, so open the ORKA parcel viewer next for the outline of the tract near Coffeyville.
Money questions tied to the zone
With a lot near Dearing, get the Elevation Certificate if one exists: it compares the building to the BFE. Remodeling a house in a zone near Cherryvale can trigger elevation rules; ask the local floodplain administrator before you plan.
Independence: common questions
Can a property in Zone X near Tyro flood?
In most cases, Zone X near Cherryvale means moderate (shaded) or minimal (unshaded) mapped risk; FEMA notes that a large share of claims come from these areas.
When is flood insurance required near Dearing?
Usually, for a building near Coffeyville in an A or V zone with a federally backed or regulated mortgage, it's generally required, in communities that take part in the NFIP.
What if the flood map is wrong for my lot near Tyro?
You can ask FEMA for a LOMA if surveyed elevations show the building near Coffeyville is above the BFE, and lenders accept the result.
Why does the BFE matter near Cherryvale?
Short answer: the BFE is printed in AE zones on FEMA's map; surveyors near Liberty use it often.
Is the parcel map a survey around Cherryvale?
The map near Tyro is approximate, so a fence may sit off the line
Open the official Montgomery County, KS 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.