FEMA Letter of Map Amendment

Flood Map Research and LOMA Application Service

FEMA Letter of Map Amendment


If a homeowner believes their property has been wrongly mapped in a Special Flood Hazard Area, they can submit a request to FEMA for a Letter of Map Amendment (LOMA). This is also known as a Letter of Map Change (LOMC).

The LOMA is an official amendment, by letter, to an effective FEMA Flood Insurance Rate Map (FIRM).

A LOMA is issued because a property has been inadvertently mapped as being in the floodplain, but is actually on natural high ground above the base flood elevation as shown by the elevation certificate. 


“Thanks for all of the help you provided to us and all of your time in making it possible for us to be removed from the expense of the flood insurance that we were stuck with for 20 years.

Finally after all of these years the mortgage company didn’t increase our payment to cover the increase in flood insurance, that happened almost every year, we even received an over payment refund.

Thanks for helping us, we would have been stuck and eventually would have probably just given up if not for your excellent help. Thanks so much.”

Nora and Charles in Florida

We Guarantee a LOMA of Removal

  • After reviewing the property, we will contact you with our findings. If we find that the structure can be removed from the flood zone successfully, our next step is to work with FEMA on your behalf.
  • If we are unable to remove you from the FEMA high-risk flood zone and get the flood insurance mandate dropped, we will refund any payment in full.
  • You will save more money than the cost of our service (many times over). The best part- you are no longer throwing money away on unnecessary flood insurance premiums.


FRee Property Review

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