A Letter of Map Amendment (LOMA) is FEMA’s most common and official process to remove your structure from a high risk flood zone. By doing so, you will be removed from the requirement to have flood insurance. HOWEVER, we recommend still purchasing a flood policy, which will be VERY inexpensive.
Once completed, provide the FEMA-approved LOMA to your lender and the mandatory flood insurance requirement is removed. In most cases, you will also receive a refund of the last year’s flood insurance premium. Best of all, there’s absolutely no risk! If we’re unable to remove you from the FEMA high-risk flood zone, we will refund your payment in full.
To begin the LOMA process, upload your elevation certificate and deed or plat of your property (if available).