OH
LOMA and LOMR-F in Summit County, Ohio
Summit County encompasses the headwaters of the Cuyahoga River and the Tuscarawas River in northeastern Ohio, with the city of Akron at the county's center. Urban stormwater flooding is a significant concern in the densely developed areas, where aging infrastructure and impervious surfaces accelerate runoff into the Cuyahoga River and its tributaries. The Ohio & Erie Canal corridor, which follows the Cuyahoga River through the county, is a particularly flood-prone area.
LOMA in Summit County
LOMAs are pursued in Summit County for properties near the Cuyahoga River headwaters and tributary floodplain edges where the county's terrain provides elevation above the base flood elevation. Properties in Akron and Cuyahoga Falls are common candidates.
Read the national LOMA page →LOMR-F in Summit County
LOMR-Fs are filed in Summit County for developments where fill or grading raises structures above the Cuyahoga River and tributary floodplains. Suburban communities on the county's western and northern edges generate the most LOMR-F activity.
Read the national LOMR-F page →Major cities
- • Akron
- • Cuyahoga Falls
- • Stow
- • Hudson
- • Green
- • Barberton
Common flood zones
- • Zone AE
- • Zone A
- • Zone X
Frequently asked questions about Summit County
Can a property in Summit County qualify for a FEMA LOMA?
Yes. Properties in Summit County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are pursued in Summit County for properties near the Cuyahoga River headwaters and tributary floodplain edges where the county's terrain provides elevation above the base flood elevation. Properties in Akron and Cuyahoga Falls are common candidates. 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 Summit County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Summit County for developments where fill or grading raises structures above the Cuyahoga River and tributary floodplains. Suburban communities on the county's western and northern edges generate 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 Summit County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Summit 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 Summit 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 Ohio. Most homeowners spend several hundred to low four figures total.
Does a LOMA in Summit County remove flood insurance?
A LOMA can change the federal mandatory-purchase requirement, but Ohio lenders and carriers still make their own underwriting decisions. Many homeowners keep voluntary coverage at significantly lower Preferred Risk rates.
Which cities in Summit County see the most LOMA activity?
LOMA and LOMR-F activity in Summit County is concentrated around Akron, Cuyahoga Falls, Stow and surrounding areas. Common flood zones include Zone AE, Zone A, Zone X.
Can FloodMapReview.com help with a LOMA anywhere in Summit County?
Yes. We review LOMA and LOMR-F files across all of Summit County, Ohio. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Summit 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.