FL
LOMA and LOMR-F in Hillsborough County, Florida
Hillsborough County surrounds Tampa Bay, making it highly vulnerable to hurricane storm surge that can push water into low-lying coastal neighborhoods and up the Hillsborough River. The Hillsborough River, Alafia River, and Palm River all contribute to riverine flood risk during heavy rainfall. Tampa's rapid growth has increased impervious surfaces, intensifying urban stormwater flooding during the wet season.
LOMA in Hillsborough County
LOMAs are pursued in Hillsborough County for properties near the Hillsborough River corridor, Alafia River, and smaller tributaries where ground elevations may exceed mapped flood levels. South Tampa neighborhoods near Bayshore Boulevard are frequent LOMA inquiry areas.
Read the national LOMA page →LOMR-F in Hillsborough County
LOMR-Fs are filed in Hillsborough County for new developments and redevelopment projects where fill raises building pads above riverine and coastal floodplains. New Tampa and the county's eastern growth areas generate frequent LOMR-F applications.
Read the national LOMR-F page →Major cities
- • Tampa
- • Plant City
- • Temple Terrace
- • Brandon
- • Riverview
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about Hillsborough County
Can a property in Hillsborough County qualify for a FEMA LOMA?
Yes. Properties in Hillsborough County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are pursued in Hillsborough County for properties near the Hillsborough River corridor, Alafia River, and smaller tributaries where ground elevations may exceed mapped flood levels. South Tampa neighborhoods near Bayshore Boulevard are frequent LOMA inquiry areas. 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 Hillsborough County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Hillsborough County for new developments and redevelopment projects where fill raises building pads above riverine and coastal floodplains. New Tampa and the county's eastern growth areas generate frequent LOMR-F applications. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Hillsborough County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Hillsborough 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 Hillsborough 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 Hillsborough 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 Hillsborough County see the most LOMA activity?
LOMA and LOMR-F activity in Hillsborough County is concentrated around Tampa, Plant City, Temple Terrace and surrounding areas. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in Hillsborough County?
Yes. We review LOMA and LOMR-F files across all of Hillsborough County, Florida. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Hillsborough 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.