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A Letter of Map Amendment (LOMA) is an official document issued by FEMA that corrects an error in your FEMA Flood Insurance Rate Map (FIRM) by removing a structure or parcel from a designated Special Flood Hazard Area (SFHA) when the property’s natural ground elevation is actually above the base flood elevation.
In Florida, flood maps are updated frequently, and many properties are inaccurately mapped in high-risk zones. A successful LOMA can eliminate or reduce the mandatory flood insurance requirement, lower flood insurance premiums, and provide clarity and peace of mind about your true flood zone status.
Here’s how homeowners across Florida benefit from a LOMA:
|
City / Region |
Typical Flood Map Conditions |
Potential Benefits with LOMA |
|
Miami-Dade |
Many properties near the coastline, canals, or reclaimed land. |
Avoid high-risk classification and reduce flood insurance mandates. |
|
Orlando |
River floodplains, mapped low zones, and inland flood zones. |
Correct mapping errors for lower flood insurance costs. |
|
Tampa |
Coastal surge zones, barrier islands, and low-lying coastal areas. |
Get relief from high flood insurance premiums on properly elevated homes. |
At FEMAFloodCertificates.com, we specialize in helping Florida homeowners secure LOMAs quickly and correctly. Our services include:
A Miami-Dade homeowner paying $2,400 per year in flood insurance due to an “AE” zone was reclassified after a LOMA. Their new “X” zone status removed the insurance requirement, saving $2,400 annually, or nearly $24,000 over 10 years.
Don’t let outdated flood maps cost you thousands each year. Submit your property address for a FREE LOMA evaluation today at FEMA Flood Certificates. We’ll handle the process from start to finish so you can save money and gain peace of mind.