How to Get a LOMA (Letter of Map Amendment)

What Is a LOMA?

A Letter of Map Amendment (LOMA) is an official determination by FEMA that a specific property or structure is not in a Special Flood Hazard Area. If your property has been incorrectly mapped into a high-risk zone, a LOMA can remove the mandatory insurance requirement and potentially save you thousands of dollars per year.

LOMAs are appropriate when the natural ground elevation of your property or the lowest floor of your structure is at or above the base flood elevation. This often occurs when a property sits on a natural rise or when fill material has elevated the land above flood level.

Requirements and Documentation

To apply for a LOMA you need: a completed MT-EZ or MT-1 application form, an elevation certificate prepared by a licensed surveyor or engineer, a copy of the current FIRM showing your property, and a property deed or tax assessment showing the legal description. For structures, you also need the elevation of the lowest floor.

The key requirement is proving that your property's natural grade or lowest floor elevation is at or above the BFE. The elevation certificate is the critical document that establishes this.

The Application Process

Submit your application package to FEMA's LOMC Clearinghouse. There is no fee for individual residential property owners, making this one of the few free government services that can directly save you money. Processing typically takes 60-90 days, though it can take longer during busy periods.

If approved, FEMA issues the LOMA, which you provide to your lender and insurance company. Your lender must then remove the mandatory insurance requirement, though keeping some coverage is still recommended.

After Receiving a LOMA

With a LOMA in hand, you can cancel your mandatory flood insurance or switch to a much cheaper Preferred Risk Policy. Your property value may also increase as future buyers see the reduced risk designation. Look up your property's flood zone data to determine if a LOMA might be appropriate for your situation.