NY
LOMA and LOMR-F in Westchester County, New York
Westchester County is situated along Long Island Sound and the Hudson River, with numerous rivers and streams including the Bronx River, Saw Mill River, and Byram River flowing through densely developed suburban communities. Hurricane Irene in 2011 and Tropical Storm Ida in 2021 caused severe riverine flooding along these corridors. The county's hilly terrain channels stormwater rapidly into narrow valleys, creating dangerous flash flood conditions.
LOMA in Westchester County
LOMAs are pursued in Westchester County for properties near the Bronx River, Saw Mill River, and other tributary floodplain edges where the varied terrain places homes above the base flood elevation. The county's topographic diversity creates many LOMA-eligible situations.
Read the national LOMA page →LOMR-F in Westchester County
LOMR-Fs are filed in Westchester County for developments and redevelopment projects where fill or grading raises structures above riverine floodplains, particularly along the Saw Mill River corridor and in communities near Long Island Sound.
Read the national LOMR-F page →Major cities
- • Yonkers
- • White Plains
- • New Rochelle
- • Mount Vernon
- • Mamaroneck
- • Rye
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about Westchester County
Can a property in Westchester County qualify for a FEMA LOMA?
Yes. Properties in Westchester County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are pursued in Westchester County for properties near the Bronx River, Saw Mill River, and other tributary floodplain edges where the varied terrain places homes above the base flood elevation. The county's topographic diversity creates many LOMA-eligible situations. 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 Westchester County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Westchester County for developments and redevelopment projects where fill or grading raises structures above riverine floodplains, particularly along the Saw Mill River corridor and in communities near Long Island Sound. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Westchester County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Westchester 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 Westchester 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 Westchester 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 Westchester County see the most LOMA activity?
LOMA and LOMR-F activity in Westchester County is concentrated around Yonkers, White Plains, New Rochelle and surrounding areas. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in Westchester County?
Yes. We review LOMA and LOMR-F files across all of Westchester County, New York. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Westchester 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.