A flood zone determination places your structure in the proper flood zone based upon the current Flood Insurance Rate Map(FIRM) panel. It is documented using the Standard Flood Hazard Determination Form (SFHDF).
All homeowners should get a flood zone determination to document whether their structure is located within a Special Flood Hazard Area (SFHA). Although FEMA tries to ensure accurate placement of all strucutres there is a fair possibility your structure has been placed in an incorrect zone.
If it is determined that your structure is not in a Special Flood Hazard Area (SFHA) the Federal requirement to obtain flood insurance will be lifted. Please note your lender may still require you to obtain flood insurance based on their requirements above the Federal guidelines.
Yes – FEMA allows for property owners to to file for a Letter of Map Amendment (LOMA) to remove a structure from a SFHA. This can be accomplished through a Letter of Map Amendment (LOMA), Letter of Map Revision (LOMR) or a Letter of Map Revision Based on Fill (LOMR-F).
A Letter of Map Amendment (LOMA) is an official amendment, by letter, to an effective National Flood Insurance Program (NFIP) map. A LOMA establishes a property”s location in relation to the Special Flood Hazard Area (SFHA). LOMAs are usually 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.
Because a LOMA officially amends the effective NFIP map, it is a public record that the community must maintain. Any LOMA should be noted on the community’s master flood map and filed by panel number in an accessible location.
An Elevation Certificate is the official FEMA document filled out by an engineer or surveyor that documents the elevation of your structure and the surrounding area.
Yes – All Loma application submitted to FEMA must contain an Elevation Certificate.
If you currently have flood insurance you should have been provided an Elevation Certificate at closing. If you do not have one check with your insurance agent or community development department. Elevation Certificated may be obtained by contacting a licensed surveyor in your area, or we will be happy to obtain one for you. Get Elevation Certificate
If the property qualifies for an eLOMA the turnaround can be a little as a few days. If the property does not qualify for an eLOMA the LOMC usually takes 4-6 weeks to obtain.
Yes – if we tell you we can obtain a LOMA for your property and then for some reason cannot your fee will be gladly refunded unconditionally.