Audience
For realtors
Support agents who need clear flood map change guidance for active transactions without slowing the deal down.
Realtors need guidance that is fast, accurate, and client-friendly. This page helps agents route deals into the right FEMA path while keeping expectations realistic for all parties.
Key takeaways
Where this page fits
Frequently asked questions
Can a realtor submit a LOMA on behalf of a client?
Realtors cannot submit LOMAs through FEMA's portal on behalf of a property owner, but they can coordinate the process, connect clients with surveyors or engineers, and ensure documents are gathered early. The property owner or a licensed professional must be the formal submitter.
How does a LOMA affect a property's market value?
Removing a property from the Special Flood Hazard Area can improve marketability by eliminating mandatory flood insurance costs for future buyers. In flood-prone markets, a completed LOMA can be a meaningful selling point, though the exact value impact varies by area.
When should a realtor bring up LOMA during a transaction?
As early as possible. If the property is mapped in a flood zone, raising the LOMA question during listing preparation or initial due diligence gives the most time to resolve the issue before it creates closing delays.
What should a listing agent tell buyers about flood zone status?
Disclose the current flood zone designation and any existing LOMA or LOMR-F determination. If the property appears to qualify for a map change, presenting that option with supporting documents can help maintain buyer confidence and deal momentum.
Can a LOMA delay a closing?
An in-progress LOMA should not delay closing if flood insurance is obtained in the interim. However, some lenders may pause if they are waiting for the determination. Communicating the LOMA timeline to all parties early prevents last-minute surprises.
How can realtors build a repeatable LOMA referral process?
Identify properties in flood zones early in your listing workflow, connect owners with a LOMA review service, and keep templates for client communications about flood zone status. A consistent process turns a common transaction obstacle into a value-add for your clients.