NC
LOMA and LOMR-F in Wake County, North Carolina
Wake County is drained by the Neuse River and its tributaries, including Crabtree Creek and Walnut Creek, which flow through the rapidly urbanizing Raleigh metropolitan area. Intense development has increased impervious surfaces and stormwater runoff, making flash flooding along urban creek corridors a persistent hazard. Hurricane Floyd in 1999 and Hurricane Matthew in 2016 caused major riverine flooding along the Neuse River.
LOMA in Wake County
LOMAs are commonly pursued in Wake County for properties near Crabtree Creek, Walnut Creek, and Neuse River tributary floodplain edges where lot grading or natural terrain places homes above the base flood elevation.
Read the national LOMA page →LOMR-F in Wake County
LOMR-Fs are filed in Wake County for new residential developments where fill is placed to raise building pads above the mapped floodplain, particularly in subdivisions along Crabtree Creek and the Neuse River corridor.
Read the national LOMR-F page →Major cities
- • Raleigh
- • Cary
- • Apex
- • Wake Forest
- • Holly Springs
- • Fuquay-Varina
Common flood zones
- • Zone AE
- • Zone A
- • Zone X
Frequently asked questions about Wake County
Can a property in Wake County qualify for a FEMA LOMA?
Yes. Properties in Wake County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are commonly pursued in Wake County for properties near Crabtree Creek, Walnut Creek, and Neuse River tributary floodplain edges where lot grading or natural terrain places homes above the base flood elevation. 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 Wake County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Wake County for new residential developments where fill is placed to raise building pads above the mapped floodplain, particularly in subdivisions along Crabtree Creek and the Neuse River corridor. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Wake County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Wake 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 Wake 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 Wake 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 Wake County see the most LOMA activity?
LOMA and LOMR-F activity in Wake County is concentrated around Raleigh, Cary, Apex and surrounding areas. Common flood zones include Zone AE, Zone A, Zone X.
Can FloodMapReview.com help with a LOMA anywhere in Wake County?
Yes. We review LOMA and LOMR-F files across all of Wake County, North Carolina. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Wake 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.