The City, the County and the Metro East are three auctions wearing one name
Split the account by jurisdiction before you split it by keyword, because the same click costs and converts differently in each one.
At minimum, separate campaigns for the City of St. Louis, St. Louis County, St. Charles County and the Illinois side. If your county volume is large, splitting inner county from outer county is usually worth it too, because a job in Clayton and a job in Chesterfield are not the same drive or the same sale.
Give each one its own budget. Shared budgets hide the answer you are paying to find out, which is where your money buys signed work.
Target on presence, not on interest. The default settings will happily show your ads to somebody in another state reading about the area, and roofing budgets do not survive that.
Exclude what you will not drive to. If nobody is crossing the river on a Tuesday, the Metro East should not be quietly collecting clicks inside a radius.