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LOMA and LOMR-F guidance

Glossary

Electronic Letter of Map Amendment (eLOMA)

An eLOMA is a faster LOMA pathway where a licensed surveyor submits and receives a determination electronically.

An Electronic Letter of Map Amendment, or eLOMA, is a streamlined version of the LOMA process that allows a licensed surveyor or engineer to submit elevation data electronically and receive an immediate or near-immediate determination from FEMA. It is the fastest way to get a property removed from the SFHA when it qualifies on natural high ground.

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Key takeaways

An eLOMA can be issued in as little as one business day, compared to 60 days for a standard LOMA.
Only licensed surveyors or engineers registered with FEMA can submit eLOMA applications.
The property must clearly meet LOMA criteria — borderline cases may still require the standard process.
The determination carries the same legal weight as a traditional LOMA.

Why it matters

Homeowners buying or refinancing on a tight timeline benefit enormously from the faster turnaround.
Surveyors offering eLOMA service can differentiate themselves and provide better client outcomes.
Understanding the eLOMA option helps homeowners ask the right questions when hiring a surveyor.

Frequently asked questions

Is an eLOMA the same thing as a regular LOMA?

Yes, in terms of legal effect. An eLOMA carries the same weight as a standard LOMA — it is an official FEMA determination. The difference is the submission pathway: eLOMAs are submitted electronically by a registered professional and processed much faster.

Can I submit an eLOMA myself as a homeowner?

No. Only licensed surveyors or engineers who are registered with FEMA's eLOMA system can submit applications through this pathway. You would need to hire a qualified professional who offers eLOMA services.

How fast is an eLOMA compared to a regular LOMA?

An eLOMA determination can be issued in as little as one business day, while a standard LOMA typically takes about 60 days. This speed advantage makes the eLOMA particularly valuable during real estate transactions with tight closing deadlines.

Does every property qualify for an eLOMA?

No. The property must clearly meet LOMA criteria — it must be on natural high ground with elevation data that unambiguously shows it is above the BFE. If the case is borderline or involves unusual circumstances, the surveyor may need to use the standard LOMA process instead.