Service
LOMA timeline
Set realistic expectations for how long a LOMA-related review or submission can take based on route, evidence, and urgency.
The true timeline depends on how quickly the route becomes clear, whether the file already contains usable evidence, and whether the case qualifies for a faster professional workflow such as eLOMA.
Key takeaways
What usually controls the timeline
Frequently asked questions
How long does FEMA take to process a LOMA?
FEMA's standard processing target is around 60 days from the date the file is deemed complete. Well-prepared files often clear in 30 to 45 days, while files with missing items or scope issues can run longer.
What factors slow a LOMA down the most?
Missing or ambiguous Elevation Certificate fields, unclear datum references, scope mismatches, and confusion between natural grade and fill are the most frequent causes of delay. FEMA often issues a request for additional information rather than denying outright, which adds weeks.
Is eLOMA faster than a standard LOMA?
Yes. eLOMA is a professional-submitted workflow that can produce a determination within minutes for eligible cases. It is only available through licensed or certified professionals and only for cases that fit the program's criteria.
What steps happen before the file is even submitted?
The pre-submission phase includes confirming natural grade versus fill, ordering or reviewing an Elevation Certificate, verifying the correct panel and BFE, and assembling the forms. Depending on surveyor availability, this phase often takes two to four weeks.
How should I handle a closing deadline during a LOMA?
Tell the lender early, share the case number once submitted, and discuss whether a conditional LOMA or lender exception is possible. Some closings proceed with flood insurance in place and the policy is cancelled later if the LOMA is approved.
How soon can a denied LOMA be re-submitted?
There is no mandatory waiting period. A revised file can be submitted as soon as the underlying issue is fixed, typically with a new or corrected Elevation Certificate or a revised scope. Resubmitting without addressing the denial reason usually produces the same outcome.
How do I check case status once it is with FEMA?
Status can be checked through the Online LOMC portal using the case number, or by contacting the FEMA Map Information eXchange. Most cases move through queued, under review, and determination phases that are visible to the submitter.
Is there a rush or expedited service?
FEMA does not offer paid expedite for standard LOMA or LOMR-F requests. The practical ways to move faster are using eLOMA when eligible, submitting a complete package the first time, and responding immediately to any request for additional information.