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Letter of Map Amendment

A Letter of Map Amendment (LOMA) is an official amendment, by letter, to an effective National Flood Insurance Program (NFIP) map. A LOMA establishes a property”s location in relation to the Special Flood Hazard Area (SFHA). LOMAs are usually issued because a property has been inadvertently mapped as being in the floodplain, but is actually on natural high ground above the base flood elevation.

Because a LOMA officially amends the effective NFIP map, it is a public record that the community must maintain. Any LOMA should be noted on the community”s master flood map and filed by panel number in an accessible location.


Please watch the short video below…


Requesting a map amendment from FEMA can be difficult and time consuming. Experienced Mapping Analysts can do the following work for you:


  • Review the property and verify the current FEMA flood zone.
  • Obtain and compile all the public research required by FEMA for the dispute.
  • Submit all available information to FEMA for review.
  • Provide FEMA additional information required to quickly complete the application.
  • Send you the completed map amendment document removing the structure from the FEMA high-risk flood zone.

A lender will apply this Letter of Map Amendment to their FEMA Flood Zone Determination, overturn the flood zone, and drop the flood insurance requirement. If you choose to have a policy, it will be available at a heavily discounted rate. You will save money- guaranteed.

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