Blog · October 14, 2026 · Iowa
Montgomery County Flood Zone Map: checking a property's flood zone
The zone on FEMA's map affects insurance, building and resale near Stanton.
Main page: Montgomery County, IA GIS & Parcel Viewer (official map link, county facts and neighboring maps).
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Ahead of any purchase around Villisca, pull up the Montgomery County flood zone map: FEMA's zone label affects insurance, permits and resale. Covered here for this county: finding the address on FEMA's map, reading the zone codes, and confirming the outline on the county map, especially near Elliott.
Where the Montgomery County flood zone map lives
On ground around Red Oak, flood zones come from FEMA's Flood Map Service Center: enter the street address, and choose the dynamic map. Vacant ground around Red Oak is still easy to locate: zoom in from the nearest road then click the parcel area.
Pulling up a parcel
Your first stop is the Montgomery County Beacon site; it covers every tax parcel around Grant and Red Oak. With a lot near Red Oak, type a street address, an owner's name or a parcel number, and the matching parcel lights up. For a tract near Red Oak, copy the parcel ID while you have it open; every clerk in the county will want it.
Reading A, AE and X
If the land is near Coburg, A and V zones are Special Flood Hazard Areas, land with a 1-percent chance of flooding in any year. For a parcel near Red Oak, shaded Zone X marks moderate flood hazard, roughly the 100- to 500-year range; unshaded X means minimal mapped risk.
Water near Stanton
Creeks and ditches near Grant may not have detailed mapping, so look for water marks and debris lines. Marshy spots near Grant can limit building too; the National Wetlands Inventory mapper shows mapped wetlands.
Using it on a phone
Most viewers work in a phone browser, useful out on a road near Elliott, but coverage can be spotty out of town. A screenshot of the parcel near Elliott with its ID keeps working without signal.
The paper trail behind a parcel
For property near Pittsburg, the map is an index, not the title: recorded deeds, subdivision plats and easements for parcels in the county are filed with the County Recorder. Long-held tracts near Stanton may sit on several deeds, and a title company earns its fee on a real sale.
A short flood checklist
For property near Villisca, request for any Elevation Certificate before closing; an insurance quote early keeps the budget honest.
Parcel lines plus flood zones
FEMA's map shows zones but not ownership, so open the Montgomery County Beacon site next for the outline of the tract near Pittsburg.
Money questions tied to the zone
For property near Elliott, get the Elevation Certificate if one exists: it compares the building to the BFE. New construction in a floodplain near Red Oak can trigger elevation rules; ask the local floodplain administrator before you plan.
Sections, lots and bearings
Iowa uses the Public Land Survey System, so rural legal descriptions near Villisca cite section, township and range. Each section is nominally a mile square, about 640 acres, with 36 sections to a township, though corrections make some sections near Red Oak odd-sized. Keep the legal description for land near Pittsburg when you talk to a surveyor.
A word on accuracy
In and around Grant, listed acreage is an estimate; just a licensed surveyor can set the real boundary on the ground. For a tract near Stanton, owner names and values update on a schedule, so a deed recorded last month may not show yet.
Which office to call
Questions about value or the owner field for land near Red Oak are handled by the County Assessor, the office behind the parcel record. Zoning, permits and septic questions near Pittsburg are for the local planning and health departments, town or county, depending on location.
Montgomery County in a few facts
Red Oak is the county seat, where most land records are kept. You'll also find Coburg, Elliott, Grant, and Stanton. About 10,139 people live in this county (Census estimate, 2023) across about 424 square miles, especially near Pittsburg.
Next door to Montgomery County
The county touches Adams County, Cass County, Fremont County, Mills County, and Page County; every one of them runs a separate parcel map around Red Oak. Ground near Red Oak that runs to the line may be split in two county records, so open the neighboring map as well. On ground around Red Oak, the Platbookmapper state page links each bordering county map across Iowa.
Quick answers
Is there a flood layer on the parcel viewer near Elliott?
Usually, a flood layer may appear in the county Beacon site layer list; confirm a lot near Red Oak on FEMA's map either way.
Is my property near Red Oak in a flood zone?
Good question; search the address near Coburg on FEMA's Flood Map Service Center, which takes a couple of minutes.
What is a LOMA in Montgomery County?
Closer to Stanton, a Letter of Map Amendment (LOMA) from FEMA can remove a structure on naturally high ground; a surveyor's elevation data supports it.
Do I need flood insurance in Montgomery County?
For a building near Red Oak 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.
How is land described in Iowa deeds around Stanton?
Out toward Grant, deeds use lot and block, metes and bounds or survey descriptions, and the parcel record often summarizes it.
Open the official Montgomery County, IA 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.