Blog · October 14, 2026 · Nebraska
Phelps County Flood Zone Map, Nebraska: a practical guide
The zone on FEMA's map affects insurance, building and resale near Loomis.
Main page: Phelps County, NE GIS & Parcel Viewer (official map link, county facts and neighboring maps).
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Ahead of any purchase around Funk, check the Phelps County flood zone map: FEMA's zone label affects insurance, permits and resale. What this county guide covers: finding the address on FEMA's map, decoding A, AE and X, and pairing it with the county gWorks map, especially near Loomis.
Where the Phelps County flood zone map lives
If you'd rather pan and zoom, use the National Flood Hazard Layer viewer, which draws the zones over aerial imagery, which applies near Sacramento as much as anywhere. Vacant ground around Clyde is still easy to locate: search the nearest road and click the spot.
Getting to the right map
Begin with the Phelps County gWorks map; it covers each tax parcel around Atlanta and Clyde. Without an address in hand, follow the nearest road on the aerial and select the outline, and that holds around Platte River too. With a lot near Sacramento, the parcel card typically gives the owner of record, assessed acreage, a parcel ID and sometimes recent sales.
Reading A, AE and X
Closer to Funk, zones beginning with A or V are Special Flood Hazard Areas, meaning a 1% or greater chance of flooding each year. For a parcel near Holdrege, shaded Zone X is moderate risk, between the 1% and 0.2% annual chance floods; plain X, or C on older maps, means minimal mapped risk.
On site with the map
The parcel map usually runs in a mobile browser, handy when you're parked on a road near Sacramento, though signal can drop in rural spots. A printout of the tract near Holdrege helps when you meet an owner or agent.
Lining it up with the parcel map
FEMA's map shows zones but not ownership, so check the Phelps County gWorks map too for the outline of the tract near Funk.
Money questions tied to the zone
If a building sits in a Special Flood Hazard Area and a federally regulated lender is involved, flood insurance is generally required where the community participates in the National Flood Insurance Program, for land near Bertrand included. Remodeling a house in a zone near Westmark can trigger elevation rules; call the permitting office before you plan.
A quick look at the area
Holdrege holds the county offices, home to the main records offices. You'll also find Atlanta, Bertrand, Funk, and Loomis. Around 9,057 people live in Phelps County (Census Bureau estimate, 2023) across roughly 540 square miles. The county was formed in 1873, and some chains of title near Funk are long. Places such as Platte River make handy reference points on the map.
Next door to Phelps County
Phelps County touches Buffalo County, Dawson County, Franklin County, Furnas County, and Gosper County; every one of them runs a separate parcel map. Acreage along the edge near Sacramento may show up in two county records, so look at the adjacent map as well. For property near Holdrege, our state page links every neighboring county map for Nebraska.
How land is described here
Nebraska follows the Public Land Survey System, so rural legal descriptions near Platte River cite section, township and range. Each section is nominally a mile square, about 640 acres, with 36 sections to a township, though real sections near Atlanta vary in size. Keep the legal description for land near Loomis before you request a deed or survey.
The paper trail behind a parcel
For a tract near Clyde, the map is an index, not the title: recorded deeds, subdivision plats and easements for parcels in the county are filed with the Register of Deeds. If the land is near Clyde, bring the document number shown in the record panel so staff can find the deed fast.
Questions to ask before you buy
For a tract near Holdrege, ask the seller for any Elevation Certificate before closing; an insurance quote early avoids surprises.
Low spots and local drainage
Low-lying fields near Holdrege aren't always studied in detail, so walk the land after rain. Wet ground around Clyde is a separate issue from flood zones; check the National Wetlands Inventory mapper for a first look.
Before you lean on the lines
If you're looking near Loomis, the acreage figure is a tax-roll number; only a licensed surveyor can set the real corners on the ground. Records update in batches, so a fresh transfer around Platte River might lag behind.
Quick answers
Why did my flood zone near Funk change?
For a home near Platte River, FEMA revises flood maps panel by panel as new studies finish, so look at the panel date.
What is a LOMA near Bertrand?
Out toward Sacramento, a Letter of Map Amendment (LOMA) from FEMA can remove a structure on naturally high ground; a surveyor's elevation data supports it.
What is a base flood elevation near Westmark?
With a lot near Clyde, the base flood elevation is the water level expected in the 1% annual chance flood, and an Elevation Certificate compares the building to it.
Is Zone X safe from flooding around Westmark?
It depends, but Zone X near Platte River means moderate (shaded) or minimal (unshaded) mapped risk; many owners near Atlanta buy coverage anyway.
Who keeps deeds for property in Phelps County?
For a home near Funk, values are the County Assessor's job; recorded documents belong to the Register of Deeds, while zoning questions go to planning
Open the official Phelps County, NE 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.