SC
LOMA and LOMR-F in Berkeley County, South Carolina
Berkeley County stretches from Lake Moultrie and the upper Cooper River south to the coastal suburbs of Charleston. The Cooper River and its tributaries, along with the tailrace canal from the Santee Cooper hydroelectric system, create significant riverine flood risk. The county also experiences tidal flooding in its southern portions near Goose Creek and Hanahan. The October 2015 South Carolina flood event caused widespread damage throughout the county.
LOMA in Berkeley County
LOMAs are pursued in Berkeley County for properties near Cooper River tributaries and Lake Moultrie spillway corridors where ground elevation exceeds the base flood elevation. Properties in the Moncks Corner and Goose Creek areas are frequent applicants.
Read the national LOMA page →LOMR-F in Berkeley County
LOMR-Fs are filed in Berkeley County for rapidly growing residential developments where fill is placed to raise building pads above tributary and tidal floodplains, particularly in the Cane Bay and Carnes Crossroads communities.
Read the national LOMR-F page →Major cities
- • Goose Creek
- • Moncks Corner
- • Hanahan
- • Summerville
- • Cane Bay
Common flood zones
- • Zone AE
- • Zone A
- • Zone X
Frequently asked questions about Berkeley County
Can a property in Berkeley County qualify for a FEMA LOMA?
Yes. Properties in Berkeley County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are pursued in Berkeley County for properties near Cooper River tributaries and Lake Moultrie spillway corridors where ground elevation exceeds the base flood elevation. Properties in the Moncks Corner and Goose Creek areas are frequent applicants. 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 Berkeley County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Berkeley County for rapidly growing residential developments where fill is placed to raise building pads above tributary and tidal floodplains, particularly in the Cane Bay and Carnes Crossroads communities. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Berkeley County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Berkeley 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 Berkeley 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 South Carolina. Most homeowners spend several hundred to low four figures total.
Does a LOMA in Berkeley County remove flood insurance?
A LOMA can change the federal mandatory-purchase requirement, but South Carolina lenders and carriers still make their own underwriting decisions. Many homeowners keep voluntary coverage at significantly lower Preferred Risk rates.
Which cities in Berkeley County see the most LOMA activity?
LOMA and LOMR-F activity in Berkeley County is concentrated around Goose Creek, Moncks Corner, Hanahan and surrounding areas. Common flood zones include Zone AE, Zone A, Zone X.
Can FloodMapReview.com help with a LOMA anywhere in Berkeley County?
Yes. We review LOMA and LOMR-F files across all of Berkeley County, South Carolina. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Berkeley 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.