FEMA LETTER OF MAP AMENDMENT

A Letter of Map Amendment (LOMA) is an official determination issued by the Federal Emergency Management Agency (FEMA) to clarify whether a structure or property is located within the Special Flood Hazard Area (SFHA) as shown on FEMA Flood Insurance Rate Maps.

LOMAs are typically requested when a property or structure is naturally located above the Base Flood Elevation (BFE) but appears within the mapped floodplain. Once issued, a LOMA formally removes the affected structure or land from the SFHA for flood insurance and regulatory purposes.

Common Uses for a LOMA – The most common LOMA request involves removing an existing structure from the SFHA to:

• Eliminate mandatory flood insurance requirements

• Reduce flood insurance costs

• Provide documentation to mortgage lenders

LOMAs are also used to confirm that all or part of a property lies above the floodplain, often in advance of new construction or property development.

Our LOMA Services – Our team assists property owners, lenders, realtors, and municipalities with FEMA-compliant LOMA requests. Using professional surveying methods, we verify elevations and prepare the required documentation to support FEMA review and approval.

Why a LOMA Matters – A successful LOMA helps clarify flood risk, reduce unnecessary insurance costs, and provide peace of mind for property owners. While a LOMA does not revise the Flood Insurance Rate Map itself, it serves as FEMA’s official determination for the affected property or structure.