Do you know your zone?

We ALL live in a flood zone and we are all at risk of floods damaging our property. MSD wants to encourage homeowners, renters, and business owners to educate themselves on their individual flood risk. A good place to start is with the National Flood Insurance Program. Click the link below to get started!

Find Your Zone

  1. Follow this link to the FEMA Flood Map Service Center:
  2. Type your address in the search area and hit search.
  3. Zoom into the location pinpointing your home.
  4. You will see a zone designation identified by a letter. To understand what that designation means for your home see the link below for flood zone definitions:
    Flood Zone Definitions

Flood Facts

  • Anytime it rains, overland flooding can occur. So that means we ALL live in a flood zone.
  • Flood risks range from low, moderate, or high. Your insurance will be determined by where you live and the risk of overland flooding.
  • You don’t have to live near a river, creek or stream to be a victim of flood damage. Rainwater being channeled by the natural topography of your property can cause water to flood your home putting you at risk.
  • Twenty percent of all insurance claims come from areas that are not in a high risk flood zone.
  • The average flood damage claim for homeowners and renters exceeds $35,000 in damages. Most homeowners’ insurance does not cover these costs.
  • Flood insurance is designed to restore your property to its pre-disaster condition. There’s no better way to protect the life you’ve built.

Upcoming Events

Know Your Zone Team members are out in the community during the month of April to answer questions. We want to make sure everyone has a chance to find out their flood risk. If you have questions come see us at one of the following locations:

Earth Day Festival
Saturday & Sunday, April 21 & 22, 2018
Forest Park - Muny Front Entrance
11:00 am to 5:00 pm


Know Your Zone is working hard to get the word out! If you want to know more about our public awareness campaign check out the following links:

National Flood Insurance Program

Map Service Center

FEMA Disaster Assistance/ Region VII (Missouri)

Disaster Help

Disaster Preparedness

National Weather Service

Contact Us