FEMA’s response to such requests is a LODR. Within 45 days following the date your lender notified you that your property is in the SFHA shown on the FIRM for your community, you and your lender may jointly request that FEMA review your lender’s determination. View FEMA’s Flood Map-Related Fees webpage at ( ). No fee is charged for the review of a LOMA however, there is a review fee for a LOMR-F. However, even though a LOMA or LOMR-F may waive the federal requirement for flood insurance, a lender retains the prerogative to require flood insurance. If the LOMA or LOMR-F removes the SFHA designation from the property, it can then be presented to the lender as proof that there is no federal flood insurance requirement for the property. Once an application and all necessary data are received, the final flood zone determination is normally issued by FEMA within 30 – 60 days. Please keep in mind that the property owner may be required to hire a land surveyor to perform this elevation survey, if this data is not readily available. Upon receiving a completed MT-EZ (for LOMAs) or MT-1 (for LOMR-Fs) application, FEMA reviews property-specific information including surveyed elevation data, which is typically the elevation of the lowest adjacent grade of the structure in question, provided by a Licensed Land Surveyor. To submit a LOMA or LOMR-F online, visit the Online Letter of Map Change (LOMC) web page at ( ) and begin filing your application request through FEMA’s Online LOMC tool. If I disagree with my lender’s determination that I am in a Special Flood Hazard Area (SFHA), what can I do?ĭepending on the specific circumstances, you may apply for a Letter of Determination Review (LODR), a Letter of Map Amendment (LOMA) or a Letter of Map Revision Based on Fill (LOMR-F). FIRMettes are created using FEMA’s Flood Map Service Center website ( ).ģ. The FIRMette can be used to help determine the location of a property or structure relative to the Special Flood Hazard Area (SFHA) and includes title block, scale and north arrow. The FIRMette is a full- scale section of a FIRM that can be formatted to print. What is a FIRMette and what is it used for?Ī FIRMette is a paper copy of a user-defined portion of an effective FIRM, which can be produced and saved electronically. If you choose this method, accept the initial pop-up disclaimer, locate the find address tab, enter your address, and activate the FEMA flood zone map layer located in the legend under Natural Features.Ģ.
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