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LOMA and LOMR-F in Terrebonne Parish, Louisiana
Terrebonne Parish sits in Louisiana's rapidly eroding coastal zone, where land subsidence, wetland loss, and sea level rise have dramatically increased flood risk over the past several decades. The parish extends from Houma south through an extensive bayou system to the Gulf of Mexico, with southern communities like Cocodrie facing some of the highest storm surge risk in the state. Hurricane Ida in 2021 caused catastrophic damage, pushing surge deep into the parish's interior.
LOMA in Terrebonne Parish
LOMA opportunities in Terrebonne Parish are generally limited in southern coastal areas due to subsidence and genuine flood risk. Properties in and around Houma on natural levee ridges may qualify if elevation certificates demonstrate adequate height.
Read the national LOMA page →LOMR-F in Terrebonne Parish
LOMR-Fs in Terrebonne Parish are filed for properties in the Houma area where fill is placed to raise structures above the mapped floodplain. Coastal subsidence complicates LOMR-F applications, as base flood elevations may change more rapidly than in stable terrain.
Read the national LOMR-F page →Major cities
- • Houma
- • Gray
- • Chauvin
- • Montegut
- • Cocodrie
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about Terrebonne Parish
Can a property in Terrebonne Parish qualify for a FEMA LOMA?
Yes. Properties in Terrebonne Parish that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMA opportunities in Terrebonne Parish are generally limited in southern coastal areas due to subsidence and genuine flood risk. Properties in and around Houma on natural levee ridges may qualify if elevation certificates demonstrate adequate height. 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 Terrebonne Parish?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs in Terrebonne Parish are filed for properties in the Houma area where fill is placed to raise structures above the mapped floodplain. Coastal subsidence complicates LOMR-F applications, as base flood elevations may change more rapidly than in stable terrain. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Terrebonne Parish?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Terrebonne 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 Terrebonne 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 Terrebonne 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 Terrebonne Parish see the most LOMA activity?
LOMA and LOMR-F activity in Terrebonne Parish is concentrated around Houma, Gray, Chauvin and surrounding areas. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in Terrebonne Parish?
Yes. We review LOMA and LOMR-F files across all of Terrebonne Parish, Louisiana. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Terrebonne 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.