NY
LOMA and LOMR-F in Nassau County, New York
Nassau County occupies the western portion of Long Island, with its south shore barrier beaches and bay system highly vulnerable to coastal storm surge. Superstorm Sandy in 2012 caused catastrophic flooding in Long Beach, Island Park, and other south shore communities when surge from the Atlantic and back-bay flooding inundated low-lying neighborhoods. The north shore along Long Island Sound also faces surge and tidal flooding during nor'easters.
LOMA in Nassau County
LOMAs are pursued in Nassau County for properties near south shore bay margins and north shore creek corridors where ground elevation exceeds the base flood elevation. Post-Sandy FEMA map updates have generated significant LOMA demand.
Read the national LOMA page →LOMR-F in Nassau County
LOMR-Fs are filed in Nassau County for reconstruction and redevelopment projects where fill raises structures above coastal floodplains. Post-Sandy rebuilding in south shore communities has produced significant LOMR-F activity.
Read the national LOMR-F page →Major cities
- • Hempstead
- • Long Beach
- • Garden City
- • Great Neck
- • Freeport
- • Valley Stream
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about Nassau County
Can a property in Nassau County qualify for a FEMA LOMA?
Yes. Properties in Nassau County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are pursued in Nassau County for properties near south shore bay margins and north shore creek corridors where ground elevation exceeds the base flood elevation. Post-Sandy FEMA map updates have generated significant LOMA demand. 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 Nassau County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Nassau County for reconstruction and redevelopment projects where fill raises structures above coastal floodplains. Post-Sandy rebuilding in south shore communities has produced significant LOMR-F activity. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Nassau County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Nassau 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 Nassau 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 New York. Most homeowners spend several hundred to low four figures total.
Does a LOMA in Nassau County remove flood insurance?
A LOMA can change the federal mandatory-purchase requirement, but New York lenders and carriers still make their own underwriting decisions. Many homeowners keep voluntary coverage at significantly lower Preferred Risk rates.
Which cities in Nassau County see the most LOMA activity?
LOMA and LOMR-F activity in Nassau County is concentrated around Hempstead, Long Beach, Garden City and surrounding areas. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in Nassau County?
Yes. We review LOMA and LOMR-F files across all of Nassau County, New York. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Nassau 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.