FL
LOMA and LOMR-F in Volusia County, Florida
Volusia County stretches from the Atlantic Ocean to the St. Johns River floodplain, exposing it to both coastal surge and riverine flooding. Daytona Beach and other beachside communities face Atlantic hurricane surge, while western portions of the county along the St. Johns River experience periodic flooding from river rises. Hurricanes Matthew and Irma caused significant flooding from both rainfall and surge across the county.
LOMA in Volusia County
LOMAs are pursued in Volusia County for properties near Spruce Creek, Tomoka River, and St. Johns River tributary floodplain boundaries. The county's varied elevation between the coastal ridge and river lowlands creates many LOMA-eligible properties.
Read the national LOMA page →LOMR-F in Volusia County
LOMR-Fs are filed in Volusia County for developments in Deltona, Port Orange, and other growing communities where fill is placed to raise structures above floodplain levels near rivers and creeks.
Read the national LOMR-F page →Major cities
- • Daytona Beach
- • Deltona
- • Port Orange
- • Ormond Beach
- • New Smyrna Beach
- • DeLand
Common flood zones
- • Zone AE
- • Zone A
- • Zone VE
- • Zone X
Frequently asked questions about Volusia County
Can a property in Volusia County qualify for a FEMA LOMA?
Yes. Properties in Volusia County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are pursued in Volusia County for properties near Spruce Creek, Tomoka River, and St. Johns River tributary floodplain boundaries. The county's varied elevation between the coastal ridge and river lowlands creates many LOMA-eligible properties. 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 Volusia County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Volusia County for developments in Deltona, Port Orange, and other growing communities where fill is placed to raise structures above floodplain levels near rivers and creeks. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Volusia County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Volusia 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 Volusia 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 Volusia 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 Volusia County see the most LOMA activity?
LOMA and LOMR-F activity in Volusia County is concentrated around Daytona Beach, Deltona, Port Orange and surrounding areas. Common flood zones include Zone AE, Zone A, Zone VE.
Can FloodMapReview.com help with a LOMA anywhere in Volusia County?
Yes. We review LOMA and LOMR-F files across all of Volusia County, Florida. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Volusia 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.