LOMR-F

A Letter of Map Revision Based on Fill (LOMR-F) is FEMA's determination that a structure or legally-described parcel has been elevated above the Base Flood Elevation using earthen fill placed after the effective map date.

A LOMR is a broader map revision that changes the published flood map itself, often for hydrology or hydraulic changes. A LOMR-F is specific to fill-raised structures or parcels and does not re-publish the map.

Look at the original subdivision grading plans, compare current pad elevation to adjacent natural ground, and review the building permit file. Surveyors and civil engineers can identify fill even when paperwork is missing.

Yes. LOMR-F scope can be structure-only, lot-only, or both, similar to LOMA. The scope must match the mapped condition and the physical fill pattern.

Typical files include an Elevation Certificate, a Community Acknowledgment Form, evidence that fill was compacted to current standards, and often a surveyor or engineer narrative on fill placement and drainage.

FEMA review generally takes longer than a LOMA, often 60 to 90 days for a well-prepared file. Community Acknowledgment timing varies by local floodplain administrator and can add weeks.

A final LOMR-F can remove the federal mandatory-purchase requirement, but the lender may still require flood insurance at its discretion and the carrier may still offer preferred-risk coverage.

Yes. Common denial reasons include fill that predates the current FIRM in a way that makes LOMR-F unavailable, inadequate fill compaction evidence, missing Community Acknowledgment, or the wrong path selection where the case is really a LOMA.