Audience
For homeowners
Help current owners decide whether a property issue belongs in a LOMA, LOMR-F, or general flood map review workflow.
Homeowners usually discover this problem because of a lender requirement, flood insurance renewal, or a surprise during refinancing. This page explains the next step clearly and removes as much FEMA terminology confusion as possible.
Key takeaways
Where support helps most
What to bring into review
Frequently asked questions
Do I need a surveyor or engineer for a LOMA?
Most LOMA files rely on elevation data from a licensed land surveyor or professional engineer, typically in the form of an Elevation Certificate. If you already have one on file, a new survey may not be needed. A review of your existing documents can determine whether additional work is required.
How much does a LOMA save on flood insurance?
Savings depend on your current premium, which varies by zone, coverage amount, and Risk Rating 2.0 factors. Many homeowners save hundreds to several thousand dollars per year once mandatory coverage is no longer required. The actual impact depends on whether your lender waives the requirement after seeing the determination.
Can I file a LOMA myself or do I need professional help?
Property owners can submit directly through FEMA's Online LOMC portal. However, the elevation evidence must be prepared by a licensed professional, and errors in the package are a leading cause of delays. Many homeowners work with a surveyor or engineer to avoid costly mistakes.
What happens if my LOMA request is denied?
FEMA issues a denial letter explaining what was missing or incorrect. The file can be corrected and resubmitted with new or updated evidence. Common fixes include a revised Elevation Certificate, corrected scope, or a switch from LOMA to LOMR-F when fill is involved.
How long does the whole LOMA process take for a homeowner?
From gathering documents through FEMA determination, most homeowner LOMA cases take 6 to 12 weeks total. Document gathering and surveyor scheduling often take longer than the FEMA review itself. Complete files with existing Elevation Certificates move fastest.
Does a LOMA guarantee my lender will drop flood insurance?
A LOMA removes the federal mandatory purchase requirement for most federally backed loans, but individual lenders retain discretion to require coverage. Share the determination letter with your lender and confirm their position in writing.
Can I get a LOMA during a refinance?
Yes. Many homeowners pursue a LOMA specifically because a refinance triggers a new flood determination. Timing matters because the lender may require flood insurance to close. Starting the LOMA process early in the refinance timeline gives the best chance of resolving the issue before closing.
What if I already pay flood insurance voluntarily?
A LOMA can still benefit voluntary policyholders by changing the property's zone designation, which often qualifies the policy for lower-cost Preferred Risk rates. Contact your insurer after receiving the determination to discuss re-rating options.