NY
LOMA and LOMR-F in Suffolk County, New York
Suffolk County occupies the eastern two-thirds of Long Island, with extensive Atlantic Ocean and Long Island Sound coastline creating substantial coastal flood exposure. Superstorm Sandy in 2012 caused devastating storm surge flooding along the south shore, particularly in communities along the Great South Bay and Fire Island. The county's barrier island system, including Fire Island National Seashore, faces direct Atlantic surge impacts during nor'easters and hurricanes.
LOMA in Suffolk County
LOMAs are pursued in Suffolk County for mainland properties near south shore bay and creek floodplain edges where ground elevation exceeds the base flood elevation. Post-Superstorm Sandy map updates have driven significant LOMA interest.
Read the national LOMA page →LOMR-F in Suffolk County
LOMR-Fs are filed in Suffolk County for post-Sandy reconstruction and new development where fill raises structures above coastal and riverine floodplains. South shore communities have generated the most LOMR-F activity.
Read the national LOMR-F page →Major cities
- • Babylon
- • Brookhaven
- • Islip
- • Huntington
- • Smithtown
- • Riverhead
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about Suffolk County
Can a property in Suffolk County qualify for a FEMA LOMA?
Yes. Properties in Suffolk County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are pursued in Suffolk County for mainland properties near south shore bay and creek floodplain edges where ground elevation exceeds the base flood elevation. Post-Superstorm Sandy map updates have driven significant LOMA interest. 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 Suffolk County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Suffolk County for post-Sandy reconstruction and new development where fill raises structures above coastal and riverine floodplains. South shore communities have generated the most LOMR-F activity. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Suffolk County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Suffolk 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 Suffolk 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 Suffolk 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 Suffolk County see the most LOMA activity?
LOMA and LOMR-F activity in Suffolk County is concentrated around Babylon, Brookhaven, Islip and surrounding areas. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in Suffolk County?
Yes. We review LOMA and LOMR-F files across all of Suffolk County, New York. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Suffolk 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.