LOMA vs LOMR-F in Fort Lauderdale: How to Remove Your Property from FEMA Flood Zones
The Ins and Outs of a LOMA
A LOMA (Letter of Map Amendment) is issued by FEMA to show that a property is naturally above the base flood elevation, potentially removing it from a high-risk flood zone.
A LOMR-F (Letter of Map Revision – Fill) is used when fill has been added to raise a property above the floodplain, or for multiple parcels or larger developments.
Understanding the difference is critical for Fort Lauderdale property owners because it can reduce flood insurance costs and ensure your property is accurately classified.
Step 1: Flood Elevation Certificate
The first step in the process is completing a FEMA-compliant Flood Elevation Certificate (FEC):
We collect the property address and confirm access.
Our survey crew performs field work, gathering elevation data. The size of the property affects cost and duration.
Once field work is done, the certificate is finalized in 3–5 business days.
After the FEC is completed, our licensed surveyor determines whether your property qualifies for a LOMA or LOMR-F:
LOMA: Property naturally above base flood elevation; fee: $295 (property-dependent)
LOMR-F: Property requires fill or involves multiple parcels; fee: $720 (surveyor $295 + FEMA $425)
Application Timeline:
Once we submit the LOMA or LOMR-F application, it typically takes 1–2 days to prepare and send.
After submission, FEMA usually takes 4–8 weeks to review and issue a decision.
FEMA then sends an official approval or denial letter directly to the property owner.
Completing the FEC first ensures accuracy, efficiency, and compliance, giving you the clearest path to reducing flood insurance requirements.
LOMA vs LOMR-F
LOMA vs LOMR-F Comparison:
Purpose:
LOMA: Certifies that a property is naturally above the base flood elevation.
LOMR-F: Certifies that a property has been raised with fill above the base flood elevation.
Property Type:
LOMA: Typically single-lot properties.
LOMR-F: Single or multiple parcels, including commercial sites.
Cost:
LOMA: $295 (surveyor fee, property-dependent)
LOMR-F: $720 (surveyor $295 + FEMA $425)
Timeline:
Both LOMA and LOMR-F: Once submitted, application preparation takes 1–2 days; FEMA usually takes 4–8 weeks to process and send an approval or denial letter.
Why Choose Our Fort Lauderdale Surveyors
Our licensed surveyors in Fort Lauderdale handle:
LOMA and LOMR-F submissions
Accurate, FEMA-compliant measurements for insurance and lender purposes
We ensure your application is fast, accurate, and compliant, giving you peace of mind and the best chance for FEMA approval.
Get Started Today
If you need a flood elevation certificate surveyor near me, a Fort Lauderdale surveyor, or help determining whether your property qualifies for a LOMA or LOMR-F, contact us today.
Call (305)-895-8001 or fill out our online form to schedule your survey.