ND · Region 8
LOMA and LOMR-F in North Dakota
North Dakota is dominated by Red River flooding events, most visibly around Fargo. LOMA work has expanded after repeated spring floods and related mitigation projects.
LOMA in North Dakota
LOMA candidates often sit on natural terraces above Red River tributaries.
Read the national LOMA page →LOMR-F in North Dakota
LOMR-F applies in Fargo-area developments built above the floodplain with fill.
Read the national LOMR-F page →Where activity concentrates
Major metros
- • Fargo
- • Bismarck
- • Grand Forks
Common counties
- • Cass County
- • Burleigh County
- • Grand Forks County
Licensing and documentation in North Dakota
North Dakota-licensed P.L.S. or P.E. must prepare elevation documents.
Frequently asked questions about North Dakota
Can a property in North Dakota qualify for a FEMA LOMA?
Yes, many North Dakota properties qualify when the structure or parcel sits on natural high ground above the Base Flood Elevation. LOMA candidates often sit on natural terraces above Red River tributaries. 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 North Dakota?
A LOMR-F applies when earthen fill created the elevation difference. LOMR-F applies in Fargo-area developments built above the floodplain with fill. If fill was used, packaging the file as a LOMA usually creates delay.
Who can prepare an Elevation Certificate in North Dakota?
North Dakota-licensed P.L.S. or P.E. must prepare elevation documents. FloodMapReview.com can review an existing Elevation Certificate or connect you with a qualified professional if new survey work is needed.
Which North Dakota counties see the most LOMA and LOMR-F activity?
Activity is concentrated in Cass County, Burleigh County, Grand Forks County, driven by red river of the north spring flooding.
Does a LOMA in North Dakota automatically remove flood insurance?
Not automatically. A LOMA can change the federal mandatory-purchase requirement, but North Dakota lenders and insurance carriers still make underwriting decisions. A North Dakota homeowner may still choose to keep voluntary coverage.
How long does a North Dakota LOMA typically take?
Timing depends on document readiness and whether the case qualifies for the faster professional-submitted eLOMA route. Most North Dakota files move faster when the Elevation Certificate and FEMA correspondence are gathered before submission.
Can FloodMapReview.com help with a LOMA anywhere in North Dakota?
Yes. We review LOMA and LOMR-F files across all North Dakota counties, including Fargo, Bismarck, Grand Forks and surrounding areas. Call (281) 870-4492 to talk through an urgent file.
What documents should North Dakota 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.