FL
LOMA and LOMR-F in St. Johns County, Florida
St. Johns County spans from the Atlantic coast at St. Augustine to the St. Johns River along its western boundary, creating a dual flood hazard from coastal surge and riverine flooding. The Intracoastal Waterway runs through the county and can funnel surge into coastal neighborhoods. St. Augustine, one of the oldest cities in the U.S., experiences increasing tidal flooding exacerbated by sea level rise, and Hurricanes Matthew and Irma caused significant coastal and riverine flooding.
LOMA in St. Johns County
LOMAs are pursued in St. Johns County for properties near Julington Creek, Six Mile Creek, and other St. Johns River tributaries where natural elevation may place homes above mapped flood levels. The county's varied topography creates numerous LOMA opportunities.
Read the national LOMA page →LOMR-F in St. Johns County
LOMR-Fs are frequently filed in St. Johns County for new residential developments in the rapidly growing Nocatee and World Golf Village communities, where fill is used to raise building pads above tributary floodplains.
Read the national LOMR-F page →Major cities
- • St. Augustine
- • Ponte Vedra Beach
- • Nocatee
- • Fruit Cove
- • St. Augustine Beach
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about St. Johns County
Can a property in St. Johns County qualify for a FEMA LOMA?
Yes. Properties in St. Johns County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are pursued in St. Johns County for properties near Julington Creek, Six Mile Creek, and other St. Johns River tributaries where natural elevation may place homes above mapped flood levels. The county's varied topography creates numerous LOMA opportunities. 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 St. Johns County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are frequently filed in St. Johns County for new residential developments in the rapidly growing Nocatee and World Golf Village communities, where fill is used to raise building pads above tributary floodplains. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in St. Johns County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most St. Johns 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 St. Johns 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 St. Johns 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 St. Johns County see the most LOMA activity?
LOMA and LOMR-F activity in St. Johns County is concentrated around St. Augustine, Ponte Vedra Beach, Nocatee and surrounding areas. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in St. Johns County?
Yes. We review LOMA and LOMR-F files across all of St. Johns County, Florida. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should St. Johns 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.