Guide
What is a LOMA?
A plain-English guide to what a FEMA Letter of Map Amendment does and when it may apply.
A LOMA is FEMA's determination that a structure or parcel is above the relevant mapped flood level on natural high ground and should not have been shown inside the Special Flood Hazard Area in that mapped position.
Key takeaways
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Frequently asked questions
What does LOMA stand for?
LOMA stands for Letter of Map Amendment. It is a formal determination issued by FEMA that amends the effective Flood Insurance Rate Map for a specific structure or parcel. The term is used consistently across FEMA correspondence, lender notices, and insurance paperwork.
Who issues a LOMA?
FEMA issues LOMAs through its Mapping and Insurance eXchange, which routes and reviews the technical evidence. Local communities, surveyors, and engineers provide the supporting data, but the determination itself comes from FEMA. No private party can grant a LOMA on FEMA's behalf.
Is a LOMA the same as a map revision?
No. A LOMA is an amendment that addresses a specific property based on existing natural ground, while a Letter of Map Revision changes the underlying map itself, usually because of new engineering or physical changes. The two letters use different evidence and different submission paths.
Does a LOMA change the published FEMA map?
A LOMA does not redraw the printed FIRM panel. The published map continues to show the Special Flood Hazard Area boundary as before, and the LOMA functions as an official addendum for that specific property. Lenders and insurers rely on the letter alongside the map.
How long does a LOMA remain valid?
A LOMA typically stays in effect as long as the ground conditions and the relevant map have not changed. If FEMA later revises the flood map for the area, the LOMA may need to be revalidated. Keeping a copy of the letter with property records is usually worthwhile.
Can a LOMA be transferred to a new owner?
Yes. A LOMA attaches to the property, not the owner, so a subsequent buyer can generally rely on the same letter. It is still a good idea to provide a copy to the new owner's lender and insurer at closing. They may ask for the determination letter directly.