FEMA LOMA
Letter of Map Amendment
Find Your Flood Map
A Letter Of Map Amendment, or LOMA, is a document produced by FEMA in response to certified elevation information provided by a registered land surveyor, professional engineer, or architect licensed to certify elevations.
If your property, or structure, is above FEMA's regional flood elevation (RFE) for your area, a Letter of Map Amendment will show financial institutions that you do not need flood insurance.
Some areas, like that of Lake Delton, may not have an RFE recognized by FEMA. In these cases, a flood study may be needed to determine the RFE as part of the application.
Lake Kegonsa at 1 foot above the 100 year flood elevation.
Certain properties, like the ones on the shore of Lake Kegonsa, may qualify to be removed from the mapped flood plain. You can see Lake Kegonsa at 1 foot above the 100 year flood level has not breached her banks in this area.
Elevations control whether or not your property will flood. With an established regional flood elevation (RFE), and an elevation certificate on your property, the probability of flooding on your property can be determined.
Has your home been free of flood damage since you owned it, but you are still required to have flood insurance? You have a right to dispute your flood zone designation. An elevation survey prepared by a qualified land surveyor can remove your property from the flood plain, lowering your flood insurance rates, and eliminates the need for flood insurance completely if you choose.
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