MN
LOMA and LOMR-F in Hennepin County, Minnesota
Hennepin County encompasses the city of Minneapolis and its western suburbs, with flood risk from the Mississippi River, the Minnesota River, Minnehaha Creek, and the county's extensive chain of urban lakes. The Mississippi River gorge through Minneapolis has experienced major flooding, and the Minnesota River at the county's southern border floods regularly during spring snowmelt. The county's many lakes and wetlands can overflow during prolonged wet periods, affecting surrounding neighborhoods.
LOMA in Hennepin County
LOMAs are pursued in Hennepin County for properties near the Mississippi River, Minnesota River, Minnehaha Creek, and lake floodplain edges where the county's terrain provides elevation above the base flood elevation. Properties in Minneapolis suburbs near creek corridors are common candidates.
Read the national LOMA page →LOMR-F in Hennepin County
LOMR-Fs are filed in Hennepin County for developments where fill raises structures above riverine and lake floodplains, particularly along the Minnesota River valley in communities like Eden Prairie and Bloomington.
Read the national LOMR-F page →Major cities
- • Minneapolis
- • Bloomington
- • Plymouth
- • Minnetonka
- • Eden Prairie
- • St. Louis Park
Common flood zones
- • Zone AE
- • Zone A
- • Zone X
Frequently asked questions about Hennepin County
Can a property in Hennepin County qualify for a FEMA LOMA?
Yes. Properties in Hennepin County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are pursued in Hennepin County for properties near the Mississippi River, Minnesota River, Minnehaha Creek, and lake floodplain edges where the county's terrain provides elevation above the base flood elevation. Properties in Minneapolis suburbs near creek corridors are common 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 Hennepin County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Hennepin County for developments where fill raises structures above riverine and lake floodplains, particularly along the Minnesota River valley in communities like Eden Prairie and Bloomington. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Hennepin County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Hennepin 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 Hennepin 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 Minnesota. Most homeowners spend several hundred to low four figures total.
Does a LOMA in Hennepin County remove flood insurance?
A LOMA can change the federal mandatory-purchase requirement, but Minnesota lenders and carriers still make their own underwriting decisions. Many homeowners keep voluntary coverage at significantly lower Preferred Risk rates.
Which cities in Hennepin County see the most LOMA activity?
LOMA and LOMR-F activity in Hennepin County is concentrated around Minneapolis, Bloomington, Plymouth and surrounding areas. Common flood zones include Zone AE, Zone A, Zone X.
Can FloodMapReview.com help with a LOMA anywhere in Hennepin County?
Yes. We review LOMA and LOMR-F files across all of Hennepin County, Minnesota. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Hennepin 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.