Homeowners told by a lender to buy flood insurance

Which property is in the flood zone?

Free check of whether a FEMA LOMA could take your home out of the flood zone, plus an MT-EZ packet checklist. FEMA charges no fee for a LOMA.

  • Free to read
  • No sign-up until the draft
  • Hands off to the right door
WETLAND · 0.6 AC (NWI) CROSSING · 24 IN CULVERT HUC-12 180201250701

ePlan fills in

  • Flood zone
  • Base flood elevation
  • Ground elevation
  • Map panel and date

How it works

LOMA packet checklist, from one answer

  1. Enter the address.
  2. ePlan reads the flood map and compares ground and flood elevations.
  3. Read the free checklist. Working in a stream or wetland? Start a nationwide permit PCN draft.

What you get

LOMA packet checklist and 1 more document

The check is free. The paperwork after it is drafted at the Pre-Construction Notification door.

The first draft

LOMA packet checklist (free)

  1. Flood zone and base flood elevation
  2. Lowest adjacent grade from a surveyor's elevation certificate
  3. Recorded deed or plat
  4. MT-EZ form sections
  5. Where to send it
  6. Refund request after approval

Modeled on: FEMA MT-EZ form and instructions

Next · 2

Nationwide permit pre-construction notification

  1. Work in or near water
  2. Wetlands and streams affected
  3. Species and historic places

From public data

What ePlan fills in, and from where

$0

is FEMA's review fee for a Letter of Map Amendment request
Source: 44 CFR 72.5(c), eCFR

Ready for the paperwork?

Draft the Army Corps pre-construction notification (ENG Form 6082) for a dock, bank repair or small crossing. Wetlands and species checked. Free to read.

Pre-Construction Notification →

Questions

Letter of Map Amendment: what people ask

Does FEMA charge for a LOMA?

No. Requests for a Letter of Map Amendment are exempt from FEMA's review and processing fees. You may still pay a surveyor or engineer for the elevation information.

Source: ecfr.gov

How long does FEMA take?

FEMA notifies the applicant in writing within 60 days of receiving the technical information, or says it needs another 60 days. The letter states whether the property is in the flood zone or should be removed.

Source: ecfr.gov

Can I get my flood insurance premium back?

A policyholder whose property gets a Letter of Map Amendment may cancel the policy within the current policy year and receive a premium refund, under the conditions in 44 CFR 62.5.

Source: ecfr.gov

The rules this door follows