If you believe your property was incorrectly identified as a Special Flood Hazard Area (SFHA) by the National Flood Insurance Program (NFIP), you may submit an application to FEMA for a formal determination of the property's location and/or elevation relative to the SFHA. This is called a Letter of Map Change (LOMC) request.
After FEMA reviews the map change request, it will issue a determination document, either approving or denying the map change. There are two types of determination documents you can seek in your LOMC request.
• Letter of Map Amendment (LOMA): A letter from FEMA stating that an existing structure or parcel of land — that is on naturally high ground and has not been elevated by fill — would not be inundated by the base flood.
• Letter of Map Revision Based on Fill (LOMR-F): A letter from FEMA stating that an existing structure or parcel of land has been elevated by earthen fill and would not be inundated by the base flood.
If FEMA grants the map amendment or revision request, the property owner may no longer be required to pay flood insurance. The property owner may send the determination document to their lender and request that the federal flood insurance requirement for the structure be removed.