NY · Region 2
LOMA and LOMR-F in New York
New York combines dense NYC coastal exposure, Long Island shoreline risk, and Great Lakes flooding upstate. Post-Sandy map revisions reshaped thousands of parcels.
LOMA in New York
LOMA files often involve inland parcels mapped during older NYC and Long Island FIRM cycles.
Read the national LOMA page →LOMR-F in New York
LOMR-F is heavily used for coastal rebuilds on engineered fill.
Read the national LOMR-F page →Where activity concentrates
Major metros
- • New York City
- • Buffalo
- • Rochester
- • Yonkers
- • Syracuse
Common counties
- • Kings County
- • Queens County
- • Nassau County
- • Suffolk County
- • Westchester County
New York county guides
Licensing and documentation in New York
A New York-licensed Professional Land Surveyor or Professional Engineer must prepare elevation documents.
Frequently asked questions about New York
Can a property in New York qualify for a FEMA LOMA?
Yes, many New York properties qualify when the structure or parcel sits on natural high ground above the Base Flood Elevation. LOMA files often involve inland parcels mapped during older NYC and Long Island FIRM cycles. 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 New York?
A LOMR-F applies when earthen fill created the elevation difference. LOMR-F is heavily used for coastal rebuilds on engineered fill. If fill was used, packaging the file as a LOMA usually creates delay.
Who can prepare an Elevation Certificate in New York?
A New York-licensed Professional Land Surveyor or Professional Engineer must 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 New York counties see the most LOMA and LOMR-F activity?
Activity is concentrated in Kings County, Queens County, Nassau County, Suffolk County, Westchester County, driven by coastal storm surge, urban stormwater, and great lakes flooding.
Does a LOMA in New York automatically remove flood insurance?
Not automatically. A LOMA can change the federal mandatory-purchase requirement, but New York lenders and insurance carriers still make underwriting decisions. A New York homeowner may still choose to keep voluntary coverage.
How long does a New York LOMA typically take?
Timing depends on document readiness and whether the case qualifies for the faster professional-submitted eLOMA route. Most New York files move faster when the Elevation Certificate and FEMA correspondence are gathered before submission.
Can FloodMapReview.com help with a LOMA anywhere in New York?
Yes. We review LOMA and LOMR-F files across all New York counties, including New York City, Buffalo, Rochester and surrounding areas. Call (281) 870-4492 to talk through an urgent file.
What documents should New York 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.