AR · Region 6
LOMA and LOMR-F in Arkansas
Arkansas flood risk is dominated by riverine systems, especially the Arkansas River through Little Rock and the Mississippi River along the eastern border. LOMA activity is concentrated around Pulaski, Jefferson, and Washington counties.
LOMA in Arkansas
Many Arkansas LOMA files involve structures on bluffs or natural rises near mapped rivers.
Read the national LOMA page →LOMR-F in Arkansas
LOMR-F cases appear in new construction on engineered fill in growing suburbs of Northwest Arkansas.
Read the national LOMR-F page →Where activity concentrates
Major metros
- • Little Rock
- • Fayetteville
- • Fort Smith
- • Jonesboro
Common counties
- • Pulaski County
- • Washington County
- • Benton County
Licensing and documentation in Arkansas
Elevation Certificates must be prepared by an Arkansas-licensed P.L.S. or P.E.
Frequently asked questions about Arkansas
Can a property in Arkansas qualify for a FEMA LOMA?
Yes, many Arkansas properties qualify when the structure or parcel sits on natural high ground above the Base Flood Elevation. Many Arkansas LOMA files involve structures on bluffs or natural rises near mapped rivers. A specialist review can confirm whether the property matches the LOMA pattern before you order new survey work.
When is a LOMR-F the right path in Arkansas?
A LOMR-F applies when earthen fill created the elevation difference. LOMR-F cases appear in new construction on engineered fill in growing suburbs of Northwest Arkansas. If fill was used, packaging the file as a LOMA usually creates delay.
Who can prepare an Elevation Certificate in Arkansas?
Elevation Certificates must be prepared by an Arkansas-licensed P.L.S. or P.E. FloodMapReview.com can review an existing Elevation Certificate or connect you with a qualified professional if new survey work is needed.
Which Arkansas counties see the most LOMA and LOMR-F activity?
Activity is concentrated in Pulaski County, Washington County, Benton County, driven by riverine flooding along the arkansas, mississippi, and white rivers.
Does a LOMA in Arkansas automatically remove flood insurance?
Not automatically. A LOMA can change the federal mandatory-purchase requirement, but Arkansas lenders and insurance carriers still make underwriting decisions. A Arkansas homeowner may still choose to keep voluntary coverage.
How long does a Arkansas LOMA typically take?
Timing depends on document readiness and whether the case qualifies for the faster professional-submitted eLOMA route. Most Arkansas files move faster when the Elevation Certificate and FEMA correspondence are gathered before submission.
Can FloodMapReview.com help with a LOMA anywhere in Arkansas?
Yes. We review LOMA and LOMR-F files across all Arkansas counties, including Little Rock, Fayetteville, Fort Smith and surrounding areas. Call (281) 870-4492 to talk through an urgent file.
What documents should Arkansas homeowners gather first?
Start with the property address, current flood zone or lender determination, any existing Elevation Certificate or survey, prior FEMA correspondence, and a lender or insurance notice if one triggered the review. Upload what you have and a specialist will identify the next step.
Reviewed by
FloodMapReview Engineering
Licensed P.E. and CFM team, FloodMapReview.com
FloodMapReview Engineering is a team of licensed Professional Engineers and Certified Floodplain Managers who have reviewed hundreds of LOMA, LOMR-F, eLOMA, and Online LOMC files across the United States. The team specializes in helping homeowners, buyers, lenders, and surveyors navigate the FEMA flood map amendment process. FloodMapReview engineers personally review every case for eligibility, ensure Elevation Certificates and supporting documents meet FEMA standards, and guide clients from initial assessment through final determination.