GA
LOMA and LOMR-F in Camden County, Georgia
Camden County sits in Georgia's southeasternmost corner, bordered by the St. Marys River to the south and the Atlantic Ocean to the east. The county includes Kings Bay Naval Submarine Base and the communities of St. Marys and Kingsland. Coastal flooding from hurricane storm surge, tidal influences, and the low-lying terrain adjacent to the St. Marys River and its tributaries create significant flood risk throughout the county.
LOMA in Camden County
LOMAs are pursued in Camden County for properties near the St. Marys River and inland creek floodplain edges where ground elevation exceeds mapped flood levels. Properties in Kingsland and Woodbine on higher ground are common LOMA candidates.
Read the national LOMA page →LOMR-F in Camden County
LOMR-Fs are filed in Camden County for residential developments where fill is placed to raise structures above the St. Marys River and coastal floodplains, particularly in the growing communities near Kings Bay.
Read the national LOMR-F page →Major cities
- • St. Marys
- • Kingsland
- • Woodbine
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about Camden County
Can a property in Camden County qualify for a FEMA LOMA?
Yes. Properties in Camden County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are pursued in Camden County for properties near the St. Marys River and inland creek floodplain edges where ground elevation exceeds mapped flood levels. Properties in Kingsland and Woodbine on higher ground are common LOMA candidates. 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 Camden County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Camden County for residential developments where fill is placed to raise structures above the St. Marys River and coastal floodplains, particularly in the growing communities near Kings Bay. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Camden County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Camden 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 Camden 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 Georgia. Most homeowners spend several hundred to low four figures total.
Does a LOMA in Camden County remove flood insurance?
A LOMA can change the federal mandatory-purchase requirement, but Georgia lenders and carriers still make their own underwriting decisions. Many homeowners keep voluntary coverage at significantly lower Preferred Risk rates.
Which cities in Camden County see the most LOMA activity?
LOMA and LOMR-F activity in Camden County is concentrated around St. Marys, Kingsland, Woodbine. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in Camden County?
Yes. We review LOMA and LOMR-F files across all of Camden County, Georgia. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Camden 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.