What is Letter Of Map Amendment (LOMA)?

A LOMA is the result of an administrative procedure in which the Federal Insurance Administrator reviews scientific or technical data submitted by the owner or lessee of property who believes the property has incorrectly been included in a designated SFHA. A LOMA amends the currently effective FEMA map and establishes that a property is not located in a SFHA.

Although FEMA may issue a LOMA, it is the lending institution's prerogative to require flood insurance as a condition of its own beyond the provisions of the Flood Disaster Protection Act of 1973 before granting a loan or mortgage. Those seeking a LOMA should first confer with the affected lending institution to determine whether the institution will waive the requirement for flood insurance if a LOMA is issued. If so, the policyholder may cancel flood insurance coverage and obtain a premium refund.

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1. What is a floodplain?
2. What is a floodway and who designates it?
3. How do I find out if my property is in a floodplain?
4. What are the penalties if I don't secure all my permits?
5. How are premiums calculated?
6. What constitutes as substantial improvement or substantial damage?
7. How are flood hazard areas and flood levels determined?
8. What are flood hazard zones and what do they mean?
9. If a Flood Insurance Rate Map (FIRM) is believed to be incorrect, what can be done to change it?
10. What is Letter Of Map Amendment (LOMA)?
11. What comprises technical or scientific data?
12. What is a Letter Of Map Revision (LOMR)?