Application processes that are required to change FEMA's floodplain maps.
A Letter of Map Change (LOMC) is a letter that reflects an official revision to an effective Flood Insurance Rate Map (FIRM). FEMA issues LOMCs in place of the physical revision and republication of the effective FIRM.
Online LOMC Application
- The Online LOMC Application is an internet-based tool that allows applicants to easily request a Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR) to a flood map.
- It is a convenient way for applicants to upload all information and supporting documentation and check the status of their application online.
- Users can submit LOMC requests and pay any associated fees, through this tool instead of filing the MT-EZ, MT-1 or MT-2 paper forms submitted through the mail.
- Online LOMC Frequently-Asked-Questions
- Online LOMC How-to-Guides
- The eLOMA tool is specifically for licensed land surveyors and professional engineers to generate a quick determination from FEMA within minutes of submitting required information and data for the subject of the eLOMA request.
- eLOMA Frequently-Asked-Questions
- eLOMA Training Tutorial
Out as Shown LOMAs
If a building is clearly outside of the boundary of a high risk flood zone (Zones A, AE, AO, or VE) on the FEMA Flood Insurance Rate Map but a lender is still requiring flood insurance for the property, the flood determination company used by the lender may have made the determination because a portion of the lot was partially within the flood zone even though the structure was not.
For that reason, you may need to request a Letter of Map Amendment – Out as Shown (LOMA-OAS) from FEMA in order for the lender to remove the flood insurance requirement for the structure. Unlike other LOMAs, a site survey and Elevation Certificate are generally not needed for a LOMA-OAS. This document provides details about the process and how to apply.
Other LOMC Guidance
- How to Request a Letter of Map Amendment (LOMA) or Letter of Map Revision Based on Fill (LOMR-F)
- Community Roles During the Letter of Map Change Process
- Elevation Certificate
- Fact Sheet #4 - Letter of Map Amendment (LOMA) Overview
- Fact Sheet #6 - Surveying for a LOMA in Zone A (no BFE)
- Fee schedule
- LOMR-F Step-by-Step Guide
- MT-1 Technical Guidance
- Tips to Minimize Delays to Your Application Process