How do I get a LOMA?

How to get a LOMA

A Letter of Map Amendment (LOMA) is a critical document that serves as an official amendment to the Federal Emergency Management Agency’s (FEMA) Flood Insurance Rate Map (FIRM). It is used to confirm that a property is not located within a Special Flood Hazard Area (SFHA) and is therefore not subject to the mandatory purchase of flood insurance. Obtaining a LOMA can significantly reduce insurance costs for property owners, as it demonstrates a reduction in flood risk.

To obtain a LOMA from FEMA, the property owner must first submit an application along with the required supporting documents. This typically includes:

• Property deed or legal documentation

• Elevation Certificates

• Topographic surveys

• Site plans or maps showing the property’s location in relation to the floodplain

Once the application is submitted, FEMA will review and assess the provided documentation to determine if the property is indeed outside the SFHA. The processing time for LOMA applications can vary depending on several factors, such as the complexity of the property, the accuracy of the submitted data, and the current caseload of the agency.

Under normal circumstances, FEMA may take between 30 to 60 days to process a LOMA application. However, this timeframe can be affected by several external factors such as natural disasters, government shutdowns, or an unusually high volume of applications. Additionally, delays can occur if the application is incomplete or contains inaccurate information.

To expedite the LOMA application process and avoid unnecessary delays, consider the following tips:

1. Provide accurate information: Ensure that all information provided in the application is accurate and up-to-date. Pay close attention to details such as property measurements and elevation data.

2. Gather required documentation: Assemble all necessary supporting documents before submitting the application. Missing or incomplete documentation will prolong the process.

3. Follow up: Stay in touch with FEMA throughout the application process and respond to any inquiries or requests for additional information promptly.

4. Online application: Submitting the application online through the FEMA eLOMA portal can streamline the process and reduce the likelihood of lost or misplaced paperwork.

5. Work with a professional: Hiring an experienced surveyor or floodplain management professional can help ensure that the application is properly prepared and all the required documentation is in order.

In conclusion, obtaining a LOMA from FEMA typically takes between 30 to 60 days. However, this timeframe can be affected by various factors that include but are not limited to the complexity of the property, the agency’s caseload, natural disasters, and government shutdowns. By providing accurate information, gathering necessary documentation, following up, submitting an online application, and working with a professional, a property owner can increase their chances of a smoother and faster LOMA approval process.

Below is a Conversation with a client on Bigger Pockets.

Shawn Ziegaus, Rental Property Investor from Lake City, FL