SC
LOMA and LOMR-F in Georgetown County, South Carolina
Georgetown County is situated at the confluence of Winyah Bay and the Atlantic Ocean, where the Pee Dee, Black, and Sampit rivers converge. This unique geography creates significant flood risk from both coastal storm surge and riverine flooding. Hurricane Florence in 2018 caused record flooding along the Waccamaw and Pee Dee rivers, and the low-lying terrain surrounding Georgetown and Pawleys Island amplifies flood impacts during major events.
LOMA in Georgetown County
LOMAs in Georgetown County are applicable for properties near river and tidal creek floodplain margins where ground elevation exceeds the base flood elevation. Properties in communities around Pawleys Island and Murrells Inlet are common applicants.
Read the national LOMA page →LOMR-F in Georgetown County
LOMR-Fs are filed in Georgetown County for developments where fill raises structures above riverine and tidal floodplains. The county's limited development pressure results in fewer LOMR-F applications compared to neighboring Horry County.
Read the national LOMR-F page →Major cities
- • Georgetown
- • Pawleys Island
- • Murrells Inlet
- • Andrews
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about Georgetown County
Can a property in Georgetown County qualify for a FEMA LOMA?
Yes. Properties in Georgetown County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs in Georgetown County are applicable for properties near river and tidal creek floodplain margins where ground elevation exceeds the base flood elevation. Properties in communities around Pawleys Island and Murrells Inlet are common 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 Georgetown County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Georgetown County for developments where fill raises structures above riverine and tidal floodplains. The county's limited development pressure results in fewer LOMR-F applications compared to neighboring Horry County. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Georgetown County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Georgetown 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 Georgetown 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 Georgetown 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 Georgetown County see the most LOMA activity?
LOMA and LOMR-F activity in Georgetown County is concentrated around Georgetown, Pawleys Island, Murrells Inlet and surrounding areas. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in Georgetown County?
Yes. We review LOMA and LOMR-F files across all of Georgetown County, South Carolina. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Georgetown 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.