LOMA and LOMR-F in Tennessee

Yes, many Tennessee properties qualify when the structure or parcel sits on natural high ground above the Base Flood Elevation. Nashville-area LOMA files often involve properties above mapped Cumberland tributaries. A specialist review can confirm whether the property matches the LOMA pattern before you order new survey work.

A LOMR-F applies when earthen fill created the elevation difference. LOMR-F applies in newer suburban developments on engineered fill. If fill was used, packaging the file as a LOMA usually creates delay.

Tennessee-licensed Professional Land Surveyors or Professional Engineers 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.

Activity is concentrated in Davidson County, Shelby County, Knox County, driven by riverine flooding and flash floods.

Not automatically. A LOMA can change the federal mandatory-purchase requirement, but Tennessee lenders and insurance carriers still make underwriting decisions. A Tennessee homeowner may still choose to keep voluntary coverage.

Timing depends on document readiness and whether the case qualifies for the faster professional-submitted eLOMA route. Most Tennessee files move faster when the Elevation Certificate and FEMA correspondence are gathered before submission.

Yes. We review LOMA and LOMR-F files across all Tennessee counties, including Nashville, Memphis, Knoxville and surrounding areas. Call (281) 870-4492 to talk through an urgent file.

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.