Flood Map Amendment (LOMA) Survey in Florida

Professional elevation surveys for FEMA Letter of Map Amendment (LOMA) applications in Florida. Remove your property from the flood zone and eliminate mandatory flood insurance.

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Common Causes

Why This Happens in Florida

  • Property naturally sits above the Base Flood Elevation (BFE) but is mapped in a Special Flood Hazard Area
  • FEMA flood maps have not been updated to reflect actual site conditions or recent elevation data
  • Paying mandatory flood insurance premiums for a property that is not actually at flood risk
  • New construction elevated above BFE that qualifies for LOMR-F reclassification
  • Property purchase or refinance triggering lender flood zone verification and insurance mandate
  • Recent FEMA map revision reclassifying previously Zone X property into AE or VE zones

How a Survey Resolves It

What We Actually Do

  • Elevation Certificate with NAVD 88 datum certifying lowest adjacent grade relative to BFE
  • LOMA application preparation with FEMA MT-1 forms and certified elevation data
  • eLOMA electronic submission through FEMA’s authorized online portal (no FEMA application fee)
  • LOMR-F application for properties elevated by fill above BFE (requires additional floodplain modeling)
  • Pre-purchase LOMA feasibility assessment to determine if property qualifies before closing

Florida Statutes That Apply

The legal basis for this work. Every reference below is to current Florida law.

  • 44 CFR Part 70 — Procedure for Map Correction (LOMA)
  • 44 CFR Part 65 — Identification and Mapping of Special Hazard Areas (LOMR and LOMR-F)
  • 42 U.S.C. §4012a — Federal mandatory flood insurance purchase requirement in SFHAs for federally backed loans (removed once a LOMA takes the structure out of the SFHA)
  • §627.715, Fla. Stat. — Flood insurance (authorizes Florida-admitted insurers to write private flood coverage as an alternative to the NFIP)
  • FEMA MT-1 form series — Standard application forms for map amendments

Why It Matters

What Happens If You Leave It

  • Mandatory flood insurance premiums of $3,000-$10,000+/year under FEMA Risk Rating 2.0 until LOMA is obtained
  • Lender force-placed flood insurance at premium rates if borrower does not maintain coverage in SFHAs
  • Property resale difficulty when buyers learn of flood zone classification and insurance requirements
  • A successful LOMA saves the average Florida homeowner thousands of dollars per year in premiums
  • Without a LOMA, properties remain mapped in SFHAs even if naturally above BFE

Services That Resolve This

Elevation Certificates Topographic Surveys

By County

Flood Map Amendment in Your County

Requirements, permit offices, recording procedures and local conditions differ by county. Choose yours for guidance specific to where the property sits — all 67 Florida counties are covered.

South Florida (14 counties)

Central Florida (18 counties)

North Florida (19 counties)

Florida Panhandle (16 counties)

Other Survey Problems

Property Line Disputes Flood Zone Determination Encroachment Issues Building Permit Surveys Easement Conflicts Construction Site Surveys

Or return to the full list of survey problems.

Get This Resolved

Licensed Florida surveyors, all 67 counties. Tell us the property address and we will tell you exactly which survey you need and what it costs.

Get a Free Quote Call +1 305 216 6944