TX
LOMA and LOMR-F in Montgomery County, Texas
Montgomery County experiences flooding primarily from the San Jacinto River and its tributaries, including Spring Creek and Lake Creek. The Woodlands and Conroe have seen increased flood risk as development has expanded into floodplain-adjacent areas. Hurricane Harvey caused record flooding along the San Jacinto River, inundating neighborhoods that had never previously flooded.
LOMA in Montgomery County
LOMAs are frequently requested in Montgomery County, particularly in The Woodlands and surrounding master-planned communities where lot grading may place homes above flood levels despite being inside mapped floodplains.
Read the national LOMA page →LOMR-F in Montgomery County
LOMR-Fs are common for newer developments in Montgomery County where builders elevate building pads with fill material. Properties along Spring Creek and the San Jacinto River tributaries are the most frequent LOMR-F applicants.
Read the national LOMR-F page →Major cities
- • The Woodlands
- • Conroe
- • Magnolia
- • Willis
- • New Caney
Common flood zones
- • Zone AE
- • Zone A
- • Zone X
Frequently asked questions about Montgomery County
Can a property in Montgomery County qualify for a FEMA LOMA?
Yes. Properties in Montgomery County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are frequently requested in Montgomery County, particularly in The Woodlands and surrounding master-planned communities where lot grading may place homes above flood levels despite being inside mapped floodplains. 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 Montgomery County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are common for newer developments in Montgomery County where builders elevate building pads with fill material. Properties along Spring Creek and the San Jacinto River tributaries are the most frequent LOMR-F applicants. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Montgomery County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Montgomery 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 Montgomery 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 Montgomery 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 Montgomery County see the most LOMA activity?
LOMA and LOMR-F activity in Montgomery County is concentrated around The Woodlands, Conroe, Magnolia and surrounding areas. Common flood zones include Zone AE, Zone A, Zone X.
Can FloodMapReview.com help with a LOMA anywhere in Montgomery County?
Yes. We review LOMA and LOMR-F files across all of Montgomery County, Texas. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Montgomery 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.