Frequently Asked Questions

There is no fee for a standard LOMA application. However, a different type of LOMA Application (LOMA-Fill) is required if a building is constructed atop fill. The Federal Emergency Management Agency (FEMA) does charge a fee for these applications.

Yes. While the flood zone determination may be outdated, the elevation measurements should still be the same. Federal Emergency Management Agency (FEMA) will use the Lowest Adjacent Grade measurement to review your LOMA request.

If the Lowest Adjacent Grade on your property is higher than the Base Flood Elevation you may qualify for a LOMA. This information may be found on an elevation certificate.

Each building must have an elevation certificate. 

No. However, if conditions at the building have changed or if a certificate is very old, some lending institutions may require you obtain a newer version. 

No, but cancelling your flood insurance policy is not recommended due to the following:

• Flood insurance is often considerably cheaper with a LOMA.
• Lenders can still require you have flood insurance 
• Federal Emergency Management Agency (FEMA) Flood levels are "minimum" expected flood levels. Across the nation, flood waters frequently exceed these minimum expected flood heights and X-zone properties have been known to experience flood damage.
• If your property is damaged from a flood, any FEMA disaster assistance you might be eligible for would be reduced by the amount of money you would have received from a claim if you had flood insurance coverage.