Blog · October 14, 2026 · Kansas
Montgomery County Flood Zone Map in Kansas
FEMA's free flood maps and the Montgomery County parcel viewer, used together for property near Elk City.
Main page: Montgomery County, KS GIS & Parcel Viewer (official map link, Montgomery County facts and neighboring maps).
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A Montgomery County flood zone map check belongs in the due diligence for any Montgomery County property, from a house lot in Coffeyville to farm ground near Independence. FEMA's free Flood Map Service Center and the Montgomery County parcel viewer answer it together.
Below are the FEMA links, a plain reading of the zone labels, notes on where water shapes land around Coffeyville, and short answers to common questions.
How to check the Montgomery County flood zone map
The authoritative source for a Montgomery County flood zone map is FEMA, so begin at the FEMA Flood Map Service Center. If a piece of ground near Havana has no street number yet, search the nearest road and pan to it. On acreage outside Independence, the National Flood Hazard Layer viewer is easier to use and reports the zone wherever you click near Independence. Switch to the ORKA parcel viewer and track down the same piece of ground near Havana. Laying the county parcel outline beside the FEMA shading displays if a homesite near Havana sits above or inside the zone.
Opening the Montgomery County parcel viewer
For land around Independence, open the ORKA parcel viewer (a parcel platform shared by many Kansas counties); it is the map Montgomery County itself publishes. Once Montgomery County is chosen in ORKA, parcels near Independence display owner and acreage when clicked. If the official address for the Montgomery County, KS map ever changes, our directory page carries the current link for Havana and the rest of the county.
Recorded documents in Montgomery County, Kansas
For land near Coffeyville, the deed itself lives in the county recording office, and the map is an index to it. Copy the parcel identifier and legal description from the county record before you request a deed for land near Cherryvale.
Reading the zones on a Montgomery County flood map
Any Montgomery County parcel shaded as Zone A, AE, AH or AO sits in what FEMA calls a Special Flood Hazard Area, defined by a 1-percent annual chance of being flooded. Where a Montgomery County tract displays Zone AE, there's a base flood elevation to compare a building against; in Zone A there is not one. If a Montgomery County parcel displays shaded Zone X, it is moderate risk, between the 1-percent and 0.2-percent annual chance lines. Clear, unshaded X near Independence is outside the 500-year floodplain.
Creeks, rivers and low ground in Montgomery County
In Montgomery County, look closest at tracts along Verdigris River. Lines on those Montgomery County parcels often follow the water, so part of the tract can be mapped as high risk. Small streams and ditches near Independence may not be studied in detail, so treat an unmapped channel as a reason to ask questions, not proof the ground stays dry.
The lay of the land around Independence
Independence is the county seat, and Caney, Cherryvale, Coffeyville, and Dearing are among the other towns on the county map. Unincorporated communities in the county, including Bolton, Jefferson, and Sycamore, display up as small groups of parcels along the roads. Roughly 644 square miles of land and about 30,568 residents (2023 estimate) make up Montgomery County. Platted neighborhoods near Cherryvale give way to rural acreage elsewhere in the county. With a founding date of 1867, Montgomery County has long chains of title on some rural tracts.
Insurance, permits and map changes
Lenders watch the zone closely on Montgomery County properties. Where a building in Independence sits in a Special Flood Hazard Area and carries a federally backed mortgage, federal rules call for flood insurance; that applies where the local government around Havana is in the National Flood Insurance Program. In Zone X near Independence, federal rules don't require a policy, although a lender in Kansas can still ask for it. When a Montgomery County homesite is on a rise inside a mapped zone, the titleholder can ask FEMA for a Letter of Map Amendment (LOMA), generally backed by an elevation certificate from a surveyor who works in Montgomery County. Placing fill on low ground near Independence has to meet local floodplain rules, and the building office serving Havana explains the steps.
Tracts that cross the Montgomery County line
A farm near the county line can carry separate records in Chautauqua County, Elk County, and Labette County as well. Every map bordering Montgomery County is listed on our Kansas directory.
Quick answers for Montgomery County
Does a 100-year floodplain near Independence flood only once a century?
Not at all; a Montgomery County tract in that zone has a 1-percent chance of flooding every year, not a once-a-century schedule.
What is a base flood elevation for a Montgomery County property?
On the map covering Coffeyville, it is the projected water surface in the base flood; elevation certificates in Montgomery County are measured against it.
Where do I get an elevation certificate in Montgomery County?
Hire a professional surveyor or engineer who works in Montgomery County; ask the local floodplain office first in case one exists.
Can a flood zone in Montgomery County be changed?
For a lot in Coffeyville, hire a surveyor for an elevation certificate, then file a LOMA request with FEMA.
My house near Independence is in Zone X. Is insurance required?
For a Zone X house near Independence, federal rules don't require flood insurance; buying it is still a choice worth pricing.
Open the official Montgomery County, KS parcel map Montgomery County 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.