NC
LOMA and LOMR-F in Brunswick County, North Carolina
Brunswick County is a fast-growing coastal county along the Atlantic Ocean and the Intracoastal Waterway, with barrier island communities such as Ocean Isle Beach, Holden Beach, and Sunset Beach directly exposed to hurricane storm surge. The Cape Fear River forms the county's eastern boundary, adding riverine flood risk. Hurricane Florence in 2018 caused widespread flooding from both storm surge and extreme rainfall across the county.
LOMA in Brunswick County
LOMAs in Brunswick County are most applicable for mainland properties near Intracoastal Waterway tributaries and inland drainage corridors. Barrier island properties face genuine coastal flood risk and rarely qualify for LOMAs.
Read the national LOMA page →LOMR-F in Brunswick County
LOMR-Fs are filed in Brunswick County for mainland residential developments where fill is placed to raise structures above mapped floodplain levels, particularly in the rapidly growing communities near Leland and Bolivia.
Read the national LOMR-F page →Major cities
- • Southport
- • Ocean Isle Beach
- • Holden Beach
- • Leland
- • Bolivia
- • Shallotte
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about Brunswick County
Can a property in Brunswick County qualify for a FEMA LOMA?
Yes. Properties in Brunswick County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs in Brunswick County are most applicable for mainland properties near Intracoastal Waterway tributaries and inland drainage corridors. Barrier island properties face genuine coastal flood risk and rarely qualify for LOMAs. 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 Brunswick County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Brunswick County for mainland residential developments where fill is placed to raise structures above mapped floodplain levels, particularly in the rapidly growing communities near Leland and Bolivia. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Brunswick County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Brunswick 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 Brunswick 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 North Carolina. Most homeowners spend several hundred to low four figures total.
Does a LOMA in Brunswick County remove flood insurance?
A LOMA can change the federal mandatory-purchase requirement, but North Carolina lenders and carriers still make their own underwriting decisions. Many homeowners keep voluntary coverage at significantly lower Preferred Risk rates.
Which cities in Brunswick County see the most LOMA activity?
LOMA and LOMR-F activity in Brunswick County is concentrated around Southport, Ocean Isle Beach, Holden Beach and surrounding areas. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in Brunswick County?
Yes. We review LOMA and LOMR-F files across all of Brunswick County, North Carolina. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Brunswick 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.