What is a Letter of Map Amendment (LOMA), and who needs one?
A LOMA is an official revision, by letter, to an effective Flood Insurance Rate Map (FIRM). Who needs one? A property owner, builder, or developer who is convinced that his or her property was incorrectly mapped in a special flood hazard area. An elevation certificate is required before FEMA will issue a letter of map amendment. What is a Letter of Map Revision, Based on Fill (LOMR-F), and who needs one? A Letter of Map Revision, Based on Fill (LOMR-F) is a letter from FEMA stating that an existing structure or parcel of land that has been elevated by fill would not be inundated by the base (1% chance) flood. Example: A prospective homeowner wants to build a house on land that is located in a special flood hazard area. One available option is to have a sufficient amount of fill brought in to elevate the planned home site above the local base flood elevation (BFE). Following construction, the homeowner has his or her engineer or surveyor to certify the fill elevation and lowest finished
