TX
LOMA and LOMR-F in Bexar County, Texas
Bexar County sits at the edge of the Texas Hill Country and the South Texas plains, making it susceptible to intense flash flooding from the San Antonio River, Medina River, and Leon Creek. The region's karst geology and clay soils contribute to rapid runoff during heavy rainfall events. San Antonio has experienced multiple deadly flash floods, and the San Antonio River Authority actively manages floodplain areas across the county.
LOMA in Bexar County
LOMAs are common in Bexar County where properties along creek corridors like Leon Creek, Salado Creek, and the San Antonio River sit at the fringe of mapped floodplains. Elevation certificates often demonstrate buildable areas above the base flood elevation.
Read the national LOMA page →LOMR-F in Bexar County
LOMR-Fs are frequently submitted in Bexar County for new residential and commercial developments that use structural fill to raise building pads above floodplain levels along creek corridors on the city's north and west sides.
Read the national LOMR-F page →Major cities
- • San Antonio
- • Converse
- • Live Oak
- • Universal City
- • Helotes
Common flood zones
- • Zone AE
- • Zone A
- • Zone X
Frequently asked questions about Bexar County
Can a property in Bexar County qualify for a FEMA LOMA?
Yes. Properties in Bexar County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are common in Bexar County where properties along creek corridors like Leon Creek, Salado Creek, and the San Antonio River sit at the fringe of mapped floodplains. Elevation certificates often demonstrate buildable areas above the base flood elevation. 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 Bexar County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are frequently submitted in Bexar County for new residential and commercial developments that use structural fill to raise building pads above floodplain levels along creek corridors on the city's north and west sides. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Bexar County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Bexar 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 Bexar 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 Texas. Most homeowners spend several hundred to low four figures total.
Does a LOMA in Bexar County remove flood insurance?
A LOMA can change the federal mandatory-purchase requirement, but Texas lenders and carriers still make their own underwriting decisions. Many homeowners keep voluntary coverage at significantly lower Preferred Risk rates.
Which cities in Bexar County see the most LOMA activity?
LOMA and LOMR-F activity in Bexar County is concentrated around San Antonio, Converse, Live Oak and surrounding areas. Common flood zones include Zone AE, Zone A, Zone X.
Can FloodMapReview.com help with a LOMA anywhere in Bexar County?
Yes. We review LOMA and LOMR-F files across all of Bexar County, Texas. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Bexar 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.