MS · Region 4
LOMA and LOMR-F in Mississippi
Mississippi combines Gulf Coast surge risk in Harrison and Hancock counties with major river flooding along the Mississippi and Pearl rivers. LOMA and LOMR-F activity is concentrated on the Coast.
LOMA in Mississippi
LOMA files inland often focus on natural-grade parcels above mapped river floodplains.
Read the national LOMA page →LOMR-F in Mississippi
LOMR-F is very common on the Mississippi Gulf Coast where post-Katrina reconstruction used fill.
Read the national LOMR-F page →Where activity concentrates
Major metros
- • Jackson
- • Gulfport
- • Southaven
- • Hattiesburg
Common counties
- • Harrison County
- • Hinds County
- • DeSoto County
Licensing and documentation in Mississippi
Mississippi requires a licensed P.L.S. or P.E. to prepare elevation documents.
Frequently asked questions about Mississippi
Can a property in Mississippi qualify for a FEMA LOMA?
Yes, many Mississippi properties qualify when the structure or parcel sits on natural high ground above the Base Flood Elevation. LOMA files inland often focus on natural-grade parcels above mapped river floodplains. 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 Mississippi?
A LOMR-F applies when earthen fill created the elevation difference. LOMR-F is very common on the Mississippi Gulf Coast where post-Katrina reconstruction used fill. If fill was used, packaging the file as a LOMA usually creates delay.
Who can prepare an Elevation Certificate in Mississippi?
Mississippi requires a licensed P.L.S. or P.E. to prepare elevation documents. FloodMapReview.com can review an existing Elevation Certificate or connect you with a qualified professional if new survey work is needed.
Which Mississippi counties see the most LOMA and LOMR-F activity?
Activity is concentrated in Harrison County, Hinds County, DeSoto County, driven by gulf storm surge and mississippi river flooding.
Does a LOMA in Mississippi automatically remove flood insurance?
Not automatically. A LOMA can change the federal mandatory-purchase requirement, but Mississippi lenders and insurance carriers still make underwriting decisions. A Mississippi homeowner may still choose to keep voluntary coverage.
How long does a Mississippi LOMA typically take?
Timing depends on document readiness and whether the case qualifies for the faster professional-submitted eLOMA route. Most Mississippi files move faster when the Elevation Certificate and FEMA correspondence are gathered before submission.
Can FloodMapReview.com help with a LOMA anywhere in Mississippi?
Yes. We review LOMA and LOMR-F files across all Mississippi counties, including Jackson, Gulfport, Southaven and surrounding areas. Call (281) 870-4492 to talk through an urgent file.
What documents should Mississippi 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.