FL
LOMA and LOMR-F in Brevard County, Florida
Brevard County is a long, narrow coastal county bounded by the Atlantic Ocean to the east and the Indian River Lagoon and St. Johns River marshes to the west. The barrier island from Cape Canaveral to Melbourne Beach faces direct Atlantic hurricane surge. Interior flooding from the St. Johns River headwaters and the Indian River Lagoon affects low-lying mainland communities during extended wet periods.
LOMA in Brevard County
LOMAs in Brevard County are most applicable for mainland properties near the Indian River Lagoon and Turkey Creek floodplains where ground elevation exceeds mapped flood levels. Barrier island properties generally face genuine coastal flood risk.
Read the national LOMA page →LOMR-F in Brevard County
LOMR-Fs are filed in Brevard County for mainland developments in areas like Palm Bay and Viera where fill is used to raise building pads above floodplain levels near the St. Johns River marshes and coastal drainage systems.
Read the national LOMR-F page →Major cities
- • Melbourne
- • Palm Bay
- • Cocoa
- • Titusville
- • Rockledge
- • Cocoa Beach
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about Brevard County
Can a property in Brevard County qualify for a FEMA LOMA?
Yes. Properties in Brevard County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs in Brevard County are most applicable for mainland properties near the Indian River Lagoon and Turkey Creek floodplains where ground elevation exceeds mapped flood levels. Barrier island properties generally face genuine coastal flood risk. 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 Brevard County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Brevard County for mainland developments in areas like Palm Bay and Viera where fill is used to raise building pads above floodplain levels near the St. Johns River marshes and coastal drainage systems. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Brevard County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Brevard County files move faster when the Elevation Certificate and FEMA correspondence are gathered before submission. A typical LOMA runs 6 to 12 weeks from document gathering through determination.
What does a LOMA cost in Brevard County?
FEMA does not charge a filing fee for a LOMA. The primary costs are the Elevation Certificate and any professional preparation, which vary by surveyor rates in Florida. Most homeowners spend several hundred to low four figures total.
Does a LOMA in Brevard County remove flood insurance?
A LOMA can change the federal mandatory-purchase requirement, but Florida lenders and carriers still make their own underwriting decisions. Many homeowners keep voluntary coverage at significantly lower Preferred Risk rates.
Which cities in Brevard County see the most LOMA activity?
LOMA and LOMR-F activity in Brevard County is concentrated around Melbourne, Palm Bay, Cocoa and surrounding areas. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in Brevard County?
Yes. We review LOMA and LOMR-F files across all of Brevard County, Florida. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Brevard County 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.