Service
eLOMA
Review when an eligible LOMA request may qualify for the faster professional-submitted eLOMA workflow.
eLOMA is a specialized workflow for eligible LOMA requests that can be submitted by licensed or certified professionals. It is not available for every case, but it can be materially faster when the file fits the program.
Key takeaways
When this page matters
Frequently asked questions
What is eLOMA?
eLOMA is an automated determination workflow within FEMA's Online LOMC system that allows qualifying LOMA cases to be processed in minutes rather than weeks. It is submitted by a licensed or certified professional who takes responsibility for the accuracy of the input data.
Who qualifies as a Licensed Professional for eLOMA?
Licensed land surveyors and registered professional engineers who have registered through the Online LOMC portal as Licensed Professionals are eligible. FEMA validates the license information during registration.
How fast is eLOMA compared with a standard LOMA?
A qualifying eLOMA case typically returns a determination within minutes of submission, while a standard LOMA can take 30 to 60 days. The speed advantage is significant when closings or insurance deadlines are pressing.
Does eLOMA cost more than a standard LOMA?
FEMA does not charge for eLOMA, so the cost is driven by the professional's fee for preparing and submitting the case. In practice, eLOMA is often comparable to or slightly higher than a standard LOMA because of the professional's added submission responsibility.
Can a homeowner submit an eLOMA themselves?
No. Only registered Licensed Professionals can submit eLOMA cases. A homeowner who wants the eLOMA workflow has to work through a qualifying surveyor or engineer.
Do fill-based cases qualify for eLOMA?
No. eLOMA is restricted to natural-grade LOMA cases. Files that rely on fill must go through the standard LOMR-F workflow, which eLOMA does not support.
What happens if eLOMA auto-rejects the case?
Automatic rejection usually means the case does not fit the narrow eLOMA criteria, for example because of a complex scope or unusual map feature. The file can still be submitted as a standard LOMA through Online LOMC without starting over from scratch.
How do I find a Licensed Professional who offers eLOMA?
Ask local surveyors or engineers whether they are registered for eLOMA in Online LOMC, or search professional directories that note eLOMA experience. Not every licensed surveyor is registered for the eLOMA workflow.