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LOMA and LOMR-F guidance

Glossary

Letter of Map Revision Based on Fill (LOMR-F)

A LOMR-F is FEMA's determination that a property elevated by fill material is now above the Base Flood Elevation.

A Letter of Map Revision Based on Fill, or LOMR-F, is FEMA's official determination that a structure or parcel has been raised above the Base Flood Elevation by the placement of fill dirt. Unlike a LOMA, which applies to naturally high ground, a LOMR-F recognizes that earthwork has changed the property's elevation relative to the flood level.

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Key takeaways

A LOMR-F applies when fill material has been placed to raise the property above the BFE.
The property must have a lowest adjacent grade at or above the BFE after the fill is placed.
Like a LOMA, a LOMR-F can remove the mandatory flood insurance requirement.
An Elevation Certificate documenting the as-built conditions is typically required.

Why it matters

Many newer homes in flood-prone areas were built on fill pads specifically to elevate them above the BFE.
Builders and developers sometimes leave the map-change paperwork undone, so the homeowner inherits a mandatory insurance requirement that may not be necessary.
A LOMR-F is often the correct path for homes in subdivisions built on engineered fill.

Frequently asked questions

What is the difference between a LOMR-F and a LOMA?

A LOMA is for properties that sit on natural high ground — the land was always above the flood level. A LOMR-F is for properties where fill dirt was placed to raise the ground above the flood level. FEMA treats these differently because fill introduces questions about compaction, settlement, and long-term stability.

Does FEMA charge a fee for a LOMR-F?

FEMA charges a review fee for LOMR-F applications, unlike LOMAs which are free. The fee amount varies, so check FEMA's current fee schedule. You will also need to pay for surveying and any professional assistance with the application.

How long does a LOMR-F take?

FEMA typically processes a LOMR-F in about 60 to 90 days from receipt of a complete application. Incomplete submissions or questions from the reviewer can extend the timeline. Using a professional familiar with the process can help avoid delays.

Can I get a LOMR-F before the fill is placed?

Not exactly. If the fill has not yet been placed, you would apply for a Conditional LOMR-F (CLOMR-F), which is FEMA's preliminary determination that the project will meet the requirements once completed. After the fill is placed and verified, you then apply for the final LOMR-F.

Will a LOMR-F remove my flood insurance requirement?

Yes. Once FEMA issues a LOMR-F showing your property is above the BFE, your lender is required to remove the mandatory flood insurance requirement. As with a LOMA, FEMA still recommends keeping a voluntary policy since some residual risk remains.