Flood Relief Specialists | Letter of Map Amendment
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Letter of Map Amendment

LOMA

A Letter of Map Amendment (LOMA)-Removal is an official determination issued by the Federal Emergency Management Agency (FEMA) for a structure that has been inadvertently mapped within the Special Flood Hazard Area (SFHA).

A LOMA removes the structure from the SFHA, and thereby eliminates the requirement to carry mandatory flood insurance.

Benefits of a LOMA Removal

  • Flood Insurance is made optional to the structure owner
  • The property value increases for the current owner and any future owner
  • The structure becomes considerably more marketable
  • The monthly mortgage payment is typically reduced for loans with escrow accounts
  • Allows option for a Preferred Risk Policy (PRP) with similar coverage at a lower premium
  • In most cases, the current year’s flood insurance premium is refunded