Blog · October 14, 2026 · Minnesota
Using the Stillwater Flood Zone Map
The zone on FEMA's map affects insurance, building and resale near Oak Park Heights.
Main page: Washington County, MN GIS & Parcel Viewer (official map link, county facts and neighboring maps).
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Thinking about a house near Willernie? A quick look at the Stillwater flood zone map shows whether FEMA puts it in a high-risk zone, and the lookup is free. This Stillwater guide covers: finding the address on FEMA's map, reading the zone codes, and pairing it with the Washington County ArcGIS parcel map.
Getting started with the Stillwater flood zone map
The official source is FEMA's Flood Map Service Center: type an address near Oak Park Heights, and pick the FIRMette or map view. Vacant ground around Lake Elmo can still be found: pan from the closest town then click the parcel area.
Where the parcel data lives
Property in and around Oak Park Heights can be looked up on the Washington County ArcGIS parcel map, free to use and open without a login. If the land is near Oak Park Heights, type a street address, an owner's name or a parcel number, and the matching parcel lights up. For a tract near Lake Elmo, a pop-up or side panel usually lists the owner of record, assessed acreage, a parcel ID and often a sale date.
What to request from a seller
Request whether the home has flooded for the house near Lake Elmo; getting a quote early avoids surprises.
Places you'll see on the map
Stillwater is the county seat, which is where the courthouse records live. You'll also find Oak Park Heights, Bayport, Grant, and Lake Elmo. About 278,936 people live in Washington County (Census Bureau estimate, 2023) spread over roughly 385 square miles. Washington County was organized in 1849, and some chains of title near Willernie are long. Features like Afton State Park are easy to spot when you zoom out from Pine Springs.
Water near Willernie
Low-lying fields near Lake Elmo may not have detailed mapping, so look for water marks and debris lines. Wet ground around Oak Park Heights is a separate issue from flood zones; the National Wetlands Inventory mapper shows mapped wetlands.
Sections, lots and bearings
Minnesota uses the Public Land Survey System, so deeds around Oak Park Heights reference sections and townships. Each section is nominally a mile square, about 640 acres, and a township holds 36 of them, though sections near Oak Park Heights can be irregular. Keep the legal description for land near Oak Park Heights for any title or survey request.
Stillwater and the county around it
Stillwater is part of Washington County, Minnesota, and the county assessor maps its lots. Stillwater is also the county seat, handy when you need recorded documents. If the land is near Lake Elmo, city or town hall handles matters such as zoning, permits and utilities inside its limits, while the county keeps the tax map. Acreage past the city limits near Bayport often answers to county rules, not municipal ones.
Where the recorded documents are
When the details count, pull the recorded deed from the County Recorder; the parcel map near Pine Springs only summarizes it. For a tract near Willernie, bring the instrument number shown in the record panel so staff can find the deed fast.
Zones on the Stillwater flood zone map
Zone AE includes a base flood elevation (BFE), while plain Zone A does not; surveyors near Oak Park Heights use that number. On ground around Pine Springs, shaded Zone X is moderate risk, between the 1% and 0.2% annual chance floods; unshaded X is minimal risk.
Parcel lines plus flood zones
FEMA doesn't draw property lines, so pair it with the Washington County ArcGIS parcel map to see exactly which lot near Grant you're looking at.
A word on accuracy
Listed acreage is an assessed number; just a licensed surveyor can set the real corners for a parcel near Oak Park Heights. For land near Grant, owner names and values update on a schedule, so a deed recorded last month may not show yet.
Money questions tied to the zone
For a tract near Willernie, an Elevation Certificate from a surveyor helps: it can change the insurance price a lot. Building or adding on near Grant in a mapped zone often needs a floodplain permit; ask the local floodplain administrator before you plan.
Quick answers
How do I check the flood zone for an address in Stillwater?
Generally, look up the spot near Lake Elmo in FEMA's National Flood Hazard Layer viewer, which takes a couple of minutes.
When is flood insurance required for land near Oak Park Heights?
For most people, lenders generally require it for buildings near Lake Elmo in a Special Flood Hazard Area when the loan is federally regulated or insured; outside those zones it's your call.
What does an AE label mean for a lot near Oak Park Heights?
Short answer: AE is a Special Flood Hazard Area with a published base flood elevation, which shapes building rules near Bayport.
What if the flood map is wrong for my lot near Oak Park Heights?
You can ask FEMA for a LOMA if surveyed elevations show the building near Willernie is above the BFE, and lenders accept the result.
Is the parcel map a survey around Bayport?
No; boundary questions near Lake Elmo need a licensed surveyor.
Open the official Washington County, MN 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.