VA
LOMA and LOMR-F in Hampton, Virginia
Hampton is an independent city on the Virginia Peninsula at the southern tip of the Chesapeake Bay, where the Hampton Roads harbor meets the Bay. The city is surrounded by water on three sides, with the Chesapeake Bay, Hampton Roads, and Back River creating extensive coastal flood exposure. Hurricane Isabel in 2003 caused severe storm surge flooding, and the city continues to experience increasing tidal flooding as sea levels rise.
LOMA in Hampton
LOMAs in Hampton are pursued for properties near Back River, Newmarket Creek, and other tidal waterway floodplain edges where ground elevation exceeds the base flood elevation. Inland properties on slightly higher ground are the primary LOMA candidates.
Read the national LOMA page →LOMR-F in Hampton
LOMR-Fs in Hampton are filed for redevelopment and new construction projects where fill raises structures above tidal floodplains. The city's older development pattern limits new LOMR-F opportunities compared to faster-growing communities.
Read the national LOMR-F page →Major cities
- • Hampton
Common flood zones
- • Zone AE
- • Zone VE
- • Zone A
- • Zone X
Frequently asked questions about Hampton
Can a property in Hampton qualify for a FEMA LOMA?
Yes. Properties in Hampton that sit on natural high ground above the Base Flood Elevation may qualify for a LOMA. LOMAs in Hampton are pursued for properties near Back River, Newmarket Creek, and other tidal waterway floodplain edges where ground elevation exceeds the base flood elevation. Inland properties on slightly higher ground are the primary LOMA candidates. 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 Hampton?
A LOMR-F applies when earthen fill created the elevation difference at the property. LOMR-Fs in Hampton are filed for redevelopment and new construction projects where fill raises structures above tidal floodplains. The city's older development pattern limits new LOMR-F opportunities compared to faster-growing communities. If fill was used, packaging the file as a LOMA usually creates delay.
How long does a LOMA take in Hampton?
Timing depends on document readiness and whether the case qualifies for the faster eLOMA route. Most Hampton 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 Hampton?
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 Virginia. Most homeowners spend several hundred to low four figures total.
Does a LOMA in Hampton remove flood insurance?
A LOMA can change the federal mandatory-purchase requirement, but Virginia lenders and carriers still make their own underwriting decisions. Many homeowners keep voluntary coverage at significantly lower Preferred Risk rates.
Which cities in Hampton see the most LOMA activity?
LOMA and LOMR-F activity in Hampton is concentrated around Hampton. Common flood zones include Zone AE, Zone VE, Zone A.
Can FloodMapReview.com help with a LOMA anywhere in Hampton?
Yes. We review LOMA and LOMR-F files across all of Hampton, Virginia. Call (281) 870-4492 to talk through an urgent file or start a guided eligibility review online.
What documents should Hampton 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.