The property owner may send the determination document to their lender and request that the federal flood insurance requirement for the structure be removed. Changing your flood zone is possible through a FEMA Letters of Map Change (LMOC) form, but only in instances where your property was misidentified or there have. If FEMA grants the map amendment or revision request, the property owner may no longer be required to pay flood insurance. Each flood zone describes the flood risk for a particular area, and those flood zones are used to determine insurance requirements and costs.

Flood zones are indicated in a community’s flood map. 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. Everyone lives in an area with some flood riskit’s just a question of whether you live in a high-risk, low-risk, or moderate-risk flood area.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.There are two types determination documents you can seek in your LOMC request. There are three forms for different kinds of requests: MT-EZ, MT-1 and MT-2. The NFIP makes federally-backed flood insurance available in communities that agree to adopt and enforce floodplain management ordinances to reduce future flood. A 'Special Flood Hazard Area' has a one percent or greater chance of flooding in any given year, sometimes referred to as the one-percent-annual-chance flood or base flood.Īfter FEMA reviews the map change request, it will issue a determination document, either approving or denying the map change. You may complete your Letter of Map Change request by sending paper forms by mail.

Fema flood zone dispute