Blog · October 14, 2026 · Missouri
Richmond Heights Flood Zone Map: checking a property's flood zone
Flood zones are set by FEMA, and checking one near Ladue takes a few minutes.
Main page: St. Louis County, MO GIS & Parcel Viewer (official map link, county facts and neighboring maps).
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Thinking about a house near Rock Hill? Checking the Richmond Heights flood zone map reveals whether the lot falls inside a mapped floodplain, and it costs nothing to check. In this Richmond Heights guide: the free FEMA tools, what each zone label means, when insurance is required and what a LOMA is.
Where the Richmond Heights flood zone map lives
Start with FEMA's Flood Map Service Center: search an address around Rock Hill, and pick the FIRMette or map view. Vacant ground around Brentwood can still be found: pan from the closest town and click the spot.
Opening the official parcel viewer
Your first stop is the St. Louis County ArcGIS parcel map; it includes every assessed parcel around Rock Hill and Ladue. Around Ladue, enter a street address, an owner's name or a parcel number, and the matching parcel lights up. For property near Maplewood, write down the parcel ID from that panel; each clerk in the county asks for it first.
Deeds, plats and who keeps them
The map is an index, not the title: recorded deeds, plats and easements covering ground around Maplewood are kept by the Recorder of Deeds. With a lot near Clayton, use the instrument number shown in the record panel to skip a name search.
City limits and county records
Richmond Heights is part of St. Louis County, Missouri, and the county assessor maps its lots. For a home near Shrewsbury, the municipality handles matters such as zoning, permits and utilities for lots inside the boundary, but the county runs assessment and recording. Acreage past the town limits out by Rock Hill usually falls under county rules rather than the town's.
What the zone letters mean
Zone AE includes a base flood elevation (BFE), while plain Zone A does not; surveyors near Shrewsbury use that number. For property near Ladue, shaded Zone X is moderate risk, between the 1% and 0.2% annual chance floods; unshaded X means minimal mapped risk.
Field tips
Most viewers work in a phone browser, useful out on a road near Rock Hill, but coverage can be spotty out of town. A saved image of the lot near Rock Hill and its lines is a good backup.
Reading the legal description
Missouri follows the Public Land Survey System, so rural legal descriptions near Maplewood cite section, township and range. A standard section is about one square mile, roughly 640 acres, and a township holds 36 of them, though corrections make some sections near Maplewood odd-sized. Copy the legal description from the record for the parcel near Shrewsbury for any title or survey request.
Before you lean on the lines
The acreage figure is an assessed number; just a licensed surveyor can set the real corners on land around Ladue. Out toward Rock Hill, owner names and values update on a schedule, so a deed recorded last month might lag behind.
What to request from a seller
Ask the seller for any Elevation Certificate on the property near Clayton; an insurance quote early avoids surprises.
Beyond the mapped zones
Small streams around Ladue aren't always studied in detail, so ask neighbors about past flooding. Wet ground around Ladue is a separate issue from flood zones; check the National Wetlands Inventory mapper for a first look.
Use the county map alongside FEMA
FEMA doesn't draw property lines, so check the St. Louis County ArcGIS parcel map too to confirm you have the right parcel near Ladue.
Lenders and permits
If you're looking near Shrewsbury, get the Elevation Certificate if one exists: it compares the building to the BFE. Building or adding on near Rock Hill in a mapped zone can trigger elevation rules; check with the county or town building office early.
Neighboring parcel maps
St. Louis County meets Madison County, IL, Monroe County, IL, St. Clair County, IL, Franklin County, and Jefferson County; every one of them runs a separate parcel map. Ground near Rock Hill that runs to the line may be split in two county records, so look at the neighboring map before you assume the acreage. For acreage around Clayton, our state page lists every neighboring county map across Missouri.
Frequently asked
How do I check the flood zone for an address in Richmond Heights?
It depends, but look up the spot near Shrewsbury in FEMA's National Flood Hazard Layer viewer, and the zone code appears on the map.
What is a LOMA in Richmond Heights?
In most cases, you can ask FEMA for a LOMA if surveyed elevations show the building near Shrewsbury is above the BFE; a surveyor's elevation data supports it.
Is flood insurance mandatory near Ladue?
Generally, for a building near Shrewsbury 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.
Does the county parcel map show flood zones in Richmond Heights?
A flood layer may appear in the St. Louis County ArcGIS parcel map layer list, but FEMA's own map is the official source.
How do I save a parcel from the viewer around Shrewsbury?
Most viewers have a print or export tool, and it's worth keeping the parcel ID visible for land near Ladue.
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.