TX
LOMA and LOMR-F in Travis County, Texas
Travis County is situated in the Texas Hill Country, where steep limestone terrain and thin soils create extreme flash flood risk during heavy rainfall. The Colorado River flows through Austin and is regulated by a series of dams forming the Highland Lakes chain, but tributaries like Shoal Creek, Onion Creek, and Barton Creek remain highly flood-prone. The 2013 and 2015 floods along Onion Creek caused devastating property damage in southeast Austin.
LOMA in Travis County
LOMAs in Travis County are frequently pursued along Onion Creek, Shoal Creek, and other tributaries where the steep terrain can place properties just above the base flood elevation. Hill Country topography means small elevation differences can determine floodplain status.
Read the national LOMA page →LOMR-F in Travis County
LOMR-Fs are filed in Travis County for properties where grading and fill raise structures above creek floodplains. The City of Austin's strict floodplain regulations often require LOMR-F documentation as part of the development permitting process.
Read the national LOMR-F page →Major cities
- • Austin
- • Pflugerville
- • Lakeway
- • Bee Cave
- • Manor
Common flood zones
- • Zone AE
- • Zone A
- • Zone X
Frequently asked questions about Travis County
Can a property in Travis County qualify for a FEMA LOMA?
Yes. Properties in Travis County that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs in Travis County are frequently pursued along Onion Creek, Shoal Creek, and other tributaries where the steep terrain can place properties just above the base flood elevation. Hill Country topography means small elevation differences can determine floodplain status. 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 Travis County?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs are filed in Travis County for properties where grading and fill raise structures above creek floodplains. The City of Austin's strict floodplain regulations often require LOMR-F documentation as part of the development permitting process. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Travis County?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Travis 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 Travis 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 Travis 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 Travis County see the most LOMA activity?
LOMA and LOMR-F activity in Travis County is concentrated around Austin, Pflugerville, Lakeway and surrounding areas. Common flood zones include Zone AE, Zone A, Zone X.
Can FloodMapReview.com help with a LOMA anywhere in Travis County?
Yes. We review LOMA and LOMR-F files across all of Travis County, Texas. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Travis 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.