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LOMA and LOMR-F guidance

Glossary

Conditional Letter of Map Amendment (CLOMA)

A CLOMA is FEMA's preliminary determination that a proposed project on natural high ground would qualify for a LOMA.

A Conditional Letter of Map Amendment, or CLOMA, is FEMA's preliminary review indicating that a proposed structure or subdivision on natural high ground would likely qualify for a LOMA once built. It is not a final determination — it is a conditional opinion based on the plans submitted.

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Key takeaways

A CLOMA is issued before construction begins, based on proposed plans.
It provides reasonable assurance but is not a guarantee — the final LOMA is issued after construction.
CLOMAs are commonly used by developers and builders to demonstrate to buyers and lenders that the finished property should be removable from the SFHA.
The applicant must still apply for a final LOMA after the project is complete.

Why it matters

Developers use CLOMAs to reassure buyers that a new home will not carry a permanent flood insurance burden.
Lenders may consider a CLOMA when evaluating construction loans in or near flood zones.
Understanding the CLOMA-to-LOMA sequence helps homeowners know what to expect during the building process.

Frequently asked questions

Is a CLOMA the same as a LOMA?

No. A CLOMA is a conditional, preliminary opinion from FEMA that a proposed project would qualify for removal from the SFHA. A LOMA is the final, binding determination. You need to apply separately for the LOMA after construction is finished and the as-built conditions are documented.

Does a CLOMA remove the flood insurance requirement?

No. A CLOMA does not change the official flood zone designation. Only a final LOMA does that. Until the LOMA is issued, any lender requirement for flood insurance remains in place.

Who typically applies for a CLOMA?

Developers, builders, and engineers most commonly apply for CLOMAs during the planning or pre-construction phase. Individual homeowners rarely need one unless they are building a custom home on a lot that falls within a mapped flood zone.

How long is a CLOMA valid?

A CLOMA remains valid as long as the effective FEMA map stays the same and no physical changes alter the conditions described in the application. If FEMA issues a new map for the area, the CLOMA may no longer apply and a new review could be needed.