FL
LOMA and LOMR-F in Duval County, Florida
Duval County is situated at the mouth of the St. Johns River on the Atlantic coast, creating flood risk from both riverine flooding and coastal storm surge. The St. Johns River is one of the few north-flowing rivers in the United States, and its wide floodplain affects neighborhoods throughout Jacksonville. Hurricane Matthew in 2016 and Hurricane Irma in 2017 demonstrated the county's vulnerability to combined surge and rainfall flooding.
LOMA in Duval County
LOMAs are common in Duval County for properties near St. Johns River tributaries like Durbin Creek and Julington Creek, where higher ground at floodplain edges may be above the base flood elevation. Jacksonville's diverse topography creates many LOMA-eligible situations.
Read the national LOMA page →LOMR-F in Duval County
LOMR-Fs are frequently filed in Duval County for new residential developments in Jacksonville's rapidly growing suburbs, where fill is placed to raise building pads above tributary and tidal floodplains.
Read the national LOMR-F page →Major cities
- • Jacksonville
- • Jacksonville Beach
- • Neptune Beach
- • Atlantic Beach
- • Baldwin
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about Duval County
Can a property in Duval County qualify for a FEMA LOMA?
Yes. Properties in Duval County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are common in Duval County for properties near St. Johns River tributaries like Durbin Creek and Julington Creek, where higher ground at floodplain edges may be above the base flood elevation. Jacksonville's diverse topography creates many LOMA-eligible situations. 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 Duval County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are frequently filed in Duval County for new residential developments in Jacksonville's rapidly growing suburbs, where fill is placed to raise building pads above tributary and tidal floodplains. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Duval County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Duval 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 Duval 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 Duval 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 Duval County see the most LOMA activity?
LOMA and LOMR-F activity in Duval County is concentrated around Jacksonville, Jacksonville Beach, Neptune Beach and surrounding areas. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in Duval County?
Yes. We review LOMA and LOMR-F files across all of Duval County, Florida. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Duval 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.