What Is a Letter of Map Amendment (LOMA)?

A Letter of Map Amendment (LOMA) is an official document issued by FEMA that removes a property from a high-risk flood zone—if it can be proven that the structure is above the base flood elevation (BFE).

Property owners can request a LOMA when they believe FEMA has incorrectly mapped their property into a Special Flood Hazard Area (SFHA), such as Flood Zone A or V.

To qualify, the property owner must submit supporting documentation—typically including an Elevation Certificate—to show that the land or structure is above the BFE.

How We Help

At Second Look Flood, we assist homeowners, lenders, and insurance professionals with the LOMA process from start to finish. We provide the certified flood zone report and FEMA map overlay needed to support your application, and our experts are here to guide you every step of the way.

Why It Matters

If FEMA approves the LOMA, you’ll receive official documentation stating that your property is no longer in a high-risk flood zone. This often results in:

• Removal of mandatory flood insurance requirements

• Lower insurance premiums (if you choose to keep coverage voluntarily)

• Increased property value and easier refinancing or sale

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