TX
LOMA and LOMR-F in Tarrant County, Texas
Tarrant County experiences flooding from the West Fork and Clear Fork of the Trinity River and their numerous tributaries flowing through the Fort Worth–Arlington metropolitan area. Flash flooding along urban creeks is a persistent hazard during intense rainstorms. The county's rolling terrain channels stormwater rapidly into downstream areas, particularly affecting low-lying neighborhoods near Marine Creek, Sycamore Creek, and Village Creek.
LOMA in Tarrant County
LOMAs are regularly pursued in Tarrant County where homes near tributary floodplain boundaries have been built on elevated pads or natural high ground. Updated FEMA maps along the Trinity River forks have generated new LOMA applications.
Read the national LOMA page →LOMR-F in Tarrant County
LOMR-Fs are common in Tarrant County's actively developing areas, particularly in south Arlington and north Fort Worth, where fill is placed to meet floodplain elevation requirements for new residential subdivisions.
Read the national LOMR-F page →Major cities
- • Fort Worth
- • Arlington
- • North Richland Hills
- • Mansfield
- • Euless
- • Bedford
Common flood zones
- • Zone AE
- • Zone A
- • Zone X
Frequently asked questions about Tarrant County
Can a property in Tarrant County qualify for a FEMA LOMA?
Yes. Properties in Tarrant County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs are regularly pursued in Tarrant County where homes near tributary floodplain boundaries have been built on elevated pads or natural high ground. Updated FEMA maps along the Trinity River forks have generated new LOMA applications. 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 Tarrant County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are common in Tarrant County's actively developing areas, particularly in south Arlington and north Fort Worth, where fill is placed to meet floodplain elevation requirements for new residential subdivisions. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Tarrant County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Tarrant 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 Tarrant 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 Tarrant 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 Tarrant County see the most LOMA activity?
LOMA and LOMR-F activity in Tarrant County is concentrated around Fort Worth, Arlington, North Richland Hills and surrounding areas. Common flood zones include Zone AE, Zone A, Zone X.
Can FloodMapReview.com help with a LOMA anywhere in Tarrant County?
Yes. We review LOMA and LOMR-F files across all of Tarrant County, Texas. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Tarrant 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.