LA
LOMA and LOMR-F in St. Tammany Parish, Louisiana
St. Tammany Parish occupies the north shore of Lake Pontchartrain, where flooding occurs from lake surge during hurricanes, riverine flooding along the Bogue Falaya, Tchefuncte, and Pearl rivers, and poor drainage in low-lying areas. Hurricane Katrina pushed Lake Pontchartrain surge into Slidell and eastern portions of the parish. The parish also experiences backwater flooding from the Pearl River during heavy rainfall in the Mississippi drainage basin.
LOMA in St. Tammany Parish
LOMAs are common in St. Tammany Parish for properties near river and creek floodplain boundaries, particularly along the Tchefuncte River in Covington and the Bogue Falaya corridor. The rolling terrain on the north shore creates many LOMA-eligible situations.
Read the national LOMA page →LOMR-F in St. Tammany Parish
LOMR-Fs are frequently filed in St. Tammany Parish for residential developments in Covington, Mandeville, and Madisonville where fill is placed to raise building pads above tributary floodplains. The parish's active development generates consistent LOMR-F demand.
Read the national LOMR-F page →Major cities
- • Covington
- • Mandeville
- • Slidell
- • Madisonville
- • Abita Springs
Common flood zones
- • Zone AE
- • Zone A
- • Zone VE
- • Zone X
Frequently asked questions about St. Tammany Parish
Can a property in St. Tammany Parish qualify for a FEMA LOMA?
Yes. Properties in St. Tammany Parish that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are common in St. Tammany Parish for properties near river and creek floodplain boundaries, particularly along the Tchefuncte River in Covington and the Bogue Falaya corridor. The rolling terrain on the north shore 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 St. Tammany Parish?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are frequently filed in St. Tammany Parish for residential developments in Covington, Mandeville, and Madisonville where fill is placed to raise building pads above tributary floodplains. The parish's active development generates consistent LOMR-F demand. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in St. Tammany Parish?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most St. Tammany Parish 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. Tammany Parish?
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 Louisiana. Most homeowners spend several hundred to low four figures total.
Does a LOMA in St. Tammany Parish remove flood insurance?
A LOMA can change the federal mandatory-purchase requirement, but Louisiana lenders and carriers still make their own underwriting decisions. Many homeowners keep voluntary coverage at significantly lower Preferred Risk rates.
Which cities in St. Tammany Parish see the most LOMA activity?
LOMA and LOMR-F activity in St. Tammany Parish is concentrated around Covington, Mandeville, Slidell and surrounding areas. Common flood zones include Zone AE, Zone A, Zone VE.
Can FloodMapReview.com help with a LOMA anywhere in St. Tammany Parish?
Yes. We review LOMA and LOMR-F files across all of St. Tammany Parish, Louisiana. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should St. Tammany Parish 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.