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LOMA and LOMR-F guidance

Glossary

Zone X

Zone X is a FEMA flood zone designation for areas with moderate to minimal flood risk, outside the high-risk SFHA.

Zone X is the FEMA flood zone designation for areas determined to have moderate or minimal flood risk. Properties in Zone X are outside the Special Flood Hazard Area and are generally not subject to mandatory flood insurance requirements from lenders. Zone X is the designation most homeowners want to achieve through a LOMA or LOMR-F.

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Key takeaways

Zone X means your property is outside the high-risk flood area on the FEMA map.
There are two varieties: shaded Zone X (moderate risk, 0.2% annual chance) and unshaded Zone X (minimal risk).
Mandatory flood insurance is not required in Zone X for federally backed mortgages.
A successful LOMA or LOMR-F moves your property from a high-risk zone into Zone X.

Why it matters

Zone X is the target zone for most LOMA and LOMR-F applicants — it is where you want your property to be.
Understanding Zone X helps homeowners see what a successful map change will accomplish.
Even in Zone X, flooding can occur — voluntary insurance is still a reasonable consideration.

Frequently asked questions

What is the difference between shaded Zone X and unshaded Zone X?

Shaded Zone X (sometimes labeled Zone X500 on older maps) has a 0.2% annual chance of flooding — often called the 500-year floodplain. Unshaded Zone X has minimal flood risk. Both are outside the SFHA, and neither triggers mandatory flood insurance for federally backed loans.

Do I need flood insurance in Zone X?

Mandatory flood insurance is not required in Zone X if you have a federally backed mortgage. However, FEMA reports that about 25% of flood claims come from outside the SFHA, so voluntary coverage is worth considering. Preferred Risk Policies offer affordable coverage for Zone X properties.

Can my property flood even if it is in Zone X?

Yes. Flood maps show statistical risk, not guarantees. Heavy rainfall, drainage failures, and unusual storm events can cause flooding anywhere. Zone X means the risk is lower, not that it is zero.

If I get a LOMA, will my property be rezoned to Zone X?

A LOMA does not technically rezone your property — it is a determination that your property should not have been included in the SFHA. The practical effect is the same: your property is treated as Zone X for insurance and lending purposes.