Blog · October 14, 2026 · Mississippi
Stone County Flood Zone Map in Mississippi
How to check whether a property in Stone County sits in a FEMA flood zone, and what the answer means for a buyer near Bond.
Main page: Stone County, MS GIS & Parcel Viewer (official map link, Stone County facts and neighboring maps).
Platbookmapper is an Amazon Associate. If you buy through an Amazon link on this page, we earn a commission. The link is a product, not the county map.
A Stone County flood zone map check belongs in the due diligence for any Stone County property, from a house lot in Beatrice to farm ground near Wiggins. FEMA's free Flood Map Service Center and the Stone County parcel viewer answer it together.
We'll cover finding a Stone County address on FEMA's map, what Zone A, AE and X mean, how the county viewer fits in, and what to do if the map looks wrong.
How to check the Stone County flood zone map
Start at the FEMA Flood Map Service Center and enter the property address in Bond or anywhere else in the county. If a parcel near Wiggins has no street number yet, search the nearest road and pan to it. If the PDF panel for Stone County is hard to read, try FEMA's National Flood Hazard Layer viewer, so you can see whether the shading reaches a house near Wiggins. Next, the Stone County ArcGIS parcel map confirms which Stone County parcel you're looking at. Laying the county parcel outline beside the FEMA shading displays whether a homesite near Wiggins sits above or inside the zone.
Finding the tract on the Stone County map
The county's own public map is the Stone County ArcGIS parcel map, built on an Esri ArcGIS web map, and it opens without an account for parcels in Bond and the rest of the county. Use the search box for an address in Bond or a parcel number, or simply zoom in and click a parcel near Beatrice. Bookmark our Stone County page too; it tracks the official Mississippi link if it moves and lists the maps around Bond.
Reading the zones on a Stone County flood map
Any Stone County parcel shaded as Zone A, AE, AH or AO sits in what FEMA calls a Special Flood Hazard Area, land with a 1-percent chance of flooding in any given year (the base or 100-year flood). A surveyor working near Bond uses the base flood elevation printed for AE zones; unnumbered A zones don't have one. Land near Wiggins in shaded X (Zone B on older maps) is moderate risk, between the 1-percent and 0.2-percent annual chance lines. Unshaded X (or C) on the Stone County panel means minimal risk.
Unmapped creeks in Stone County
A creek near Wiggins that displays no detailed zone, so treat an unmapped channel as a reason to ask questions, not proof the ground stays dry.
A short buyer checklist for Wiggins
For a house near Bond, ask the seller for any elevation certificate on file and the current flood insurance declarations page. An agent working in Stone County can quote flood coverage once you know the zone for the lot near Bond.
When the map affects a deal
Lenders watch the zone closely on Stone County properties. Where a building in Bond is mapped in a high-risk zone and is financed by a regulated or federally insured lender, the lender must require flood coverage; that applies where the local government around Wiggins is in the National Flood Insurance Program. Outside the A zones around Wiggins, federal rules don't require a policy, though a lender in Mississippi can still ask for it. When a Stone County homesite is on a rise inside a mapped zone, the landowner can ask FEMA for a Letter of Map Amendment (LOMA), supported by elevation data from a licensed land surveyor. Building or filling inside a mapped zone near Bond has to meet local floodplain rules, and the building office serving Wiggins explains the steps.
Stone County, MS: common questions
Where do I get an elevation certificate in Stone County?
Hire a licensed land surveyor or engineer who works in Stone County; ask the local floodplain office first in case one exists.
Can I build in a flood zone in Stone County?
Building in a Special Flood Hazard Area near Bond usually needs a floodplain permit and may require elevating the structure, so check with the county floodplain administrator.
Is there a floodplain layer in the Stone County ArcGIS parcel map?
Look for a flood or floodplain layer in the Stone County viewer, then verify the zone with FEMA.
Do I need flood insurance in Zone X in Stone County?
FEMA does not require it for a Zone X lot in Bond, but coverage is available and some lenders ask for it.
What is a base flood elevation for a Stone County property?
Near Beatrice, the BFE is the height floodwater is expected to reach in the 1-percent-annual-chance flood; elevation certificates in Stone County are measured against it.
What does 100-year flood mean for Stone County land?
No; land near Beatrice in the 100-year floodplain has a 1-percent chance of flooding every year, not a once-a-century schedule.
Open the official Stone County, MS parcel map Stone 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.