Independent flood map change guidance
FEMA Flood Map Review: Check If Your Property Qualifies for a LOMA or LOMR-F
Understand the correct flood map change path, what documents are typically needed, and how to turn an urgent lender or insurance issue into a clear next step.
Closing this week? Call or email support@floodmapreview.com and a specialist can triage the file today. Monday–Friday, 8am–6pm Central.
Correct routing
Natural grade, fill, eLOMA, or Online LOMC
Submission inputs
Elevation Certificate, survey, lender notice, FEMA letter
Next steps
Start a review, upload documents, or speak with a specialist
Free flood zone check
Look up your FEMA flood zone in 10 seconds.
Enter a property address to see the current FEMA flood zone and Base Flood Elevation pulled live from the National Flood Hazard Layer. No account, no fee.
What you will see
- • FEMA flood zone (A, AE, V, X, D, etc.)
- • Static Base Flood Elevation when available
- • Whether the zone typically triggers mandatory flood insurance
- • Whether the property may be a LOMA or LOMR-F candidate
Have an Elevation Certificate or lender letter already? Upload it with the review so a specialist can confirm next steps.
Learn more about flood zones, what your zone means, and next steps
How it works
Understand the process before you order documents or submit anything.
1. Confirm the likely path
Start with address context, known flood zone details, and whether the property is natural grade or fill.
2. Gather usable evidence
Elevation Certificates, surveys, FEMA correspondence, lender notices, and prior determinations reduce back-and-forth.
3. Build the submission plan
The review identifies the likely route: LOMA, LOMR-F, eLOMA-eligible support, or a need for more information.
4. Take the next step
Use the intake and upload flows to hand off the file set and move toward a formal case recommendation.
Trust and clarity
Different FEMA paths apply to different property conditions.
The first step is choosing the right path. Natural high ground, fill, professional-submitted files, and online submissions are not the same thing.
LOMA
Used for structures or parcels on natural high ground, not for sites raised by fill.
LOMR-F
Used when earthen fill created the relevant elevation at the structure or lot.
eLOMA and Online LOMC
eLOMA is a faster professional route for qualifying LOMA files. Online LOMC is the online submission path.
Important limit
No page on this site guarantees FEMA approval, flood insurance removal, or a lender decision.
Audience routing
Choose the page that matches your role.
Audience
For homeowners
Help current owners decide whether a property issue belongs in a LOMA, LOMR-F, or general flood map review workflow.
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For homebuyers
Guide buyers through flood map change questions that surface during due diligence or closing.
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For realtors
Support agents who need clear flood map change guidance for active transactions without slowing the deal down.
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For lenders
Give lending teams a structured way to review flood map change files without blurring underwriting discretion.
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For insurance agents
Help insurance professionals explain map-change options to clients without overstating the effect on coverage decisions.
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For surveyors and engineers
Help licensed professionals gather the right file details for LOMA, LOMR-F, and eLOMA-related work.
Open pagePriority pages
Start with the pages that answer the questions people ask most often.
Service
LOMA
Determine whether a structure or parcel on natural high ground may qualify for a FEMA Letter of Map Amendment.
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LOMR-F
Use the LOMR-F path when a structure or parcel was elevated by earthen fill rather than natural ground.
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LOMA vs LOMR-F
Use the natural-grade versus fill distinction to route a flood map change request correctly before submitting anything.
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LOMA eligibility
Check the conditions that usually determine whether a LOMA request is plausible before investing more time or money.
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LOMA cost
Understand where LOMA-related costs usually come from before ordering surveys, elevation work, or paid case preparation.
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LOMA timeline
Set realistic expectations for how long a LOMA-related review or submission can take based on route, evidence, and urgency.
Open pageGuides
Guides for common LOMA and LOMR-F questions.
These pages answer the common questions that show up during closing, underwriting, flood insurance reviews, and property due diligence.
Browse guidesGuide
What is a LOMA?
A plain-English guide to what a FEMA Letter of Map Amendment does and when it may apply.
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When you need a LOMR-F
A guide to the fill-based scenarios that point away from LOMA and toward LOMR-F.
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How Online LOMC works
A guide to the online FEMA submission environment and where it fits in the process.
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Common reasons LOMA requests fail
A guide to the mistakes and weak assumptions that often derail LOMA-related files.
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