What if I disagree with the maps?
FEMA applies rigorous standards to develop Flood Insurance Rate Maps (FIRMs) and uses the most accurate hazard information available. However, limitations in the scale or topographic detail of the source maps used to prepare a FIRM may cause small elevated areas to be included in a Special Flood Hazard Area (SFHA). SFHAs are high-risk areas subject to inundation by the base (1-percent-annual-chance) flood. They are also known as 1-percent-annual-chance floodplains, base floodplains, or 100-year floodplains.

To change the flood hazard designation for properties in these areas, FEMA has established the Letter Of Map Amendment (LOMA) process for properties on naturally high ground and the Letter Of Map Revision-Fill (LOMR-F) process for properties elevated by the placement of fill. LOMAs and LOMR-Fs are letter determinations that officially amend an effective FIRM. They can establish that a property is not in an SFHA and, by doing so, remove the Federal flood insurance requirement. For more information, please see the LOMA and LOMR-F Fact Sheet (PDF).

Show All Answers

1. What do all these mapping acronyms and terms mean?
2. What data was used in determining the FEMA FIRM maps?
3. What does this mean for property owners?
4. What if I disagree with the maps?