The Mississippi River and Apple Creek bottoms drive flood-zone questions

Perry County’s eastern boundary is the Mississippi River. The river bottoms and the Apple Creek drainage put parts of the county in mapped floodplain.

If you are buying, building, or insuring low-ground property near the river or creek, check the specific parcel at the FEMA Flood Map Service Center. A property that looked fine on one visit is not necessarily high and dry. Flood-zone status can affect insurance and what can be built.

Missouri SEMA provides state floodplain guidance. Current river-stage readings change all the time, so the durable question is where the parcel sits on the official flood map. If a levee, drainage district, or local rule applies, confirm that for the specific tract.