Important Terms - Flood Relief Specialists
Flood Insurance Solutions
Flood, Insurance, FEMA, LOMA, LOMR, LOMR-F, Elevation Certificate, NFIP, Flood Zone, SFHA, Risk, Flood Insurance Reduction, Flood Insurance Removal, Flood Insurance Corrections, Reduction, Removal, Flood Zone Corrections, Elevation Certificates, Flood Insurance Quote, Flood Insurance Quotes, A-Zone, AE-Zone, X-Zone, Flood Zones, Flood Insurance, flood zone designation, flood zone designations, flood zone specialists, flood compliance, flood zone determination, fzd
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Important Terms

Base Flood Elevation (BFE)
The elevation shown on the FIRM for flood zones: AE, AH, A1-A30, AR, AR/A, AR/AE, AR/A1-A30, AR/AH, AR/AO, V1-V30, and VE that shows the water surface elevation resulting from a flood that has a 1% chance of equaling or exceeding that level in any given year.

Commercial Properties
Can be classified as Non-Residential or Other Residential. Please contact Lexi for more information:

Conditional Letter of Map Amendment (CLOMA)
A decision by FEMA on whether or not a proposed building project would be excluded from the SFHA.

Elevation Certificate
A certificate that verifies the elevation data of a structure on a given property relative to the ground level. It is used to ensure compliance with local flood plain management ordinances and also to rate flood insurance policies.

Federal Emergency Management Agency

Federal Insurance & Mitigation Administration

Flood Insurance Rate Map (FIRM)
The official map of a community on which the Mitigation Division Administrator has delineated both the special hazard areas and the risk premium zones applicable to the community.

Letter of Map Amendment (LOMA)
A letter which is an official amendment to an effective NFIP map, which establishes a structure’s location in relation to the SFHA.

National Flood Insurance Program

Preliminary Evaluation
FRS analyzes the placement of your structure(s) in the SFHA and the area around it to determine if it is beneficial for you to proceed with our process. FRS substantiates your chances for success with structures nearby that had the requirement to carry Flood Insurance lifted. The Preliminary Evaluation gives FRS a clear understanding of your particular situation and the factors affecting your structure(s).

Preferred Risk Policy (PRP)
A flood insurance policy for properties located in the B, C, & X-Zones that meet certain eligibility requirements. A PRP offers fixed combinations of building/contents coverage or contents only coverage at low, fixed premiums.

Special Flood Hazard Area (SFHA)
An area that is found to have a high flood risk, as determined by FEMA, in which flood insurance is mandatory for structures. Includes flood zones: A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, and V.

Standard Flood Insurance Policy (SFIP)
A flood policy issued to insure a building and/or its contents.


Federal Emergency
Management Agency (FEMA)

National Flood
InsuranceProgram (NFIP)