SC
LOMA and LOMR-F in Horry County, South Carolina
Horry County encompasses the Myrtle Beach resort area along the Atlantic coast and extends inland to the Waccamaw River and Pee Dee River floodplains. Hurricane Florence in 2018 caused catastrophic riverine flooding along the Waccamaw River in Conway, where floodwaters persisted for weeks. Coastal areas face Atlantic storm surge, while the broad, flat floodplains of the Waccamaw and Little Pee Dee rivers create extensive inland flood zones.
LOMA in Horry County
LOMAs are common in Horry County for properties near Waccamaw River tributary margins and inland creek corridors. Post-Hurricane Florence map updates have driven significant LOMA interest for properties at floodplain edges.
Read the national LOMA page →LOMR-F in Horry County
LOMR-Fs are filed in Horry County for rapidly expanding residential developments where fill raises structures above riverine and coastal floodplains. The county's growth along the Grand Strand generates consistent LOMR-F demand.
Read the national LOMR-F page →Major cities
- • Myrtle Beach
- • Conway
- • North Myrtle Beach
- • Surfside Beach
- • Little River
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about Horry County
Can a property in Horry County qualify for a FEMA LOMA?
Yes. Properties in Horry County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are common in Horry County for properties near Waccamaw River tributary margins and inland creek corridors. Post-Hurricane Florence map updates have driven significant LOMA interest for properties at floodplain edges. 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 Horry County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Horry County for rapidly expanding residential developments where fill raises structures above riverine and coastal floodplains. The county's growth along the Grand Strand generates consistent LOMR-F demand. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Horry County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Horry 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 Horry 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 Horry 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 Horry County see the most LOMA activity?
LOMA and LOMR-F activity in Horry County is concentrated around Myrtle Beach, Conway, North Myrtle Beach and surrounding areas. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in Horry County?
Yes. We review LOMA and LOMR-F files across all of Horry County, South Carolina. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Horry 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.