What Is a Letter of Map Amendment (LOMA)?
A Letter of Map Amendment (LOMA) is an official document issued by FEMA that removes a property from a high-risk flood zone—if it can be proven that the structure is above the base flood elevation (BFE).
Property owners can request a LOMA when they believe FEMA has incorrectly mapped their property into a Special Flood Hazard Area (SFHA), such as Flood Zone A or V.
To qualify, the property owner must submit supporting documentation—typically including an Elevation Certificate—to show that the land or structure is above the BFE.
How We Help
At Second Look Flood, we assist homeowners, lenders, and insurance professionals with the LOMA process from start to finish. We provide the certified flood zone report and FEMA map overlay needed to support your application, and our experts are here to guide you every step of the way.
Why It Matters
If FEMA approves the LOMA, you’ll receive official documentation stating that your property is no longer in a high-risk flood zone. This often results in:
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Removal of mandatory flood insurance requirements
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Lower insurance premiums (if you choose to keep coverage voluntarily)
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Increased property value and easier refinancing or sale
Ready to get started?
Free Property Review:
“Working with Second Look Flood was wonderful. The online video explained their service and the process succinctly. From the time I called to the time I had an eLOMA in my hand was about 4 hours. It was explained to me that this is not always possible but it did work out in my case. My flood insurance premiums will be much lower as a result. Also, flood insurance is no longer mandatory.”
“After attempting to do the paperwork myself to change my property’s flood zone classification, I contacted Second Look and they took care of everything. Having my home officially out of the flood zone will be a big plus for resale and the process was painless and worth every penny. Thanks guys!”
“Second Look Flood did an exceptional job in helping to establish the correct FEMA Amendment and ultimately reduce my Insurance by nearly 75%! They were fast, thorough, and accommodating. I would recommend their services to anyone facing a situation where an elevation certificate clearly demonstrates a need for such an Amendment.”