Letter of Map Amendment
FEMA Flood Map Research and LOMA Application Service
Change Your Flood Zone Designation
Remove your house from the FEMA high-risk flood Zone with a Letter of Map Amendment. A property owner can request a map amendment from FEMA if they believe that their home is incorrectly shown as being in a high-risk flood zone such as Zone A or Zone AE.
- Letter of Map Amendment (LOMA): A document issued by FEMA showing that an existing structure — that is on naturally high ground— would not be inundated by the base flood.
- Refund: If a LOMA removes a structure from a Special Flood Hazard Area, and if the lender waives the flood insurance purchase requirement, a premium refund for the current policy term may be obtained.
To get a LOMA, the property owner can provide documentation, such as an elevation certificate, to demonstrate that the property is at a higher elevation than the base flood elevation.
If FEMA grants the LOMA, the property owner will receive a letter stating that the property is no longer in a high-risk flood zone and flood insurance will no longer be required. The property owner can send the determination document to their lender and request that the federal flood insurance requirement for the structure be removed.
LOMA Example:
FEMA Flood Insurance Rate Map
The FEMA Flood Insurance Rate Map (FIRM) is an essential tool that delineates flood hazard areas in your community.
It helps homeowners understand their flood risk and determine whether flood insurance is necessary. The map categorizes properties into different flood zones, each indicating a varying level of flood risk.
Request Current FIRM (Free)
Understanding FEMA Flood Zones
- Zone A
- Description: This area is subject to inundation by the 1-percent annual chance flood (commonly referred to as the “100-year flood”). Flooding in Zone A is usually determined using approximate methodologies.
- Implications: Properties in Zone A are typically required to have flood insurance, as they face a significant risk of flooding.
- Zone X
- Description: Zone X is classified as an area of minimal or moderate flood risk. This zone is typically outside the 1-percent annual chance floodplain.
- Implications: While flood insurance is not mandatory for properties in Zone X, homeowners are still encouraged to consider coverage, as flooding can occur even in low-risk areas.
Other Common Zones:
Zone V
- Description: Areas at risk of coastal flooding with additional hazards, like wave action.
Zone AE
- Description: Similar to Zone A, but with base flood elevations provided.
Why This Matters: Understanding your property’s flood zone is crucial for assessing flood risk and making informed decisions about flood insurance and preparedness. The FIRM is a vital resource for homeowners, ensuring they are aware of their flood risk and can take appropriate action.
