If an individual homeowner has technical information to indicate his or her home has been incorrectly shown as within the SFHA on the FIRM, the homeowner may submit that information to FEMA and request that FEMA remove the flood zone designation from his or her home by issuing a Letter of Map Amendment (LOMA) or a Letter of Map Revision Based on Fill (LOMR-F).
The request must include the surveyed elevation of the lowest grade adjacent to the structure or the lowest enclosed level of the structure and certain other information, as described in the MT-1 forms package entitled "Amendments and Revisions to National Flood Insurance Program Maps." The instructions in the forms package will assist property owners in compiling the information required to support a LOMA or LOMR-F request.
If, based on its review of the required information, FEMA determines that a home should be removed from the floodplain, FEMA will issue a LOMA or LOMR-F. LOMAs and LOMR-Fs are effective on the date they are issued and have the effect of revising the effective NFIP map without physically revising and reissuing the affected map panel. FEMA usually responds to such requests within 30 days of the date all required information is received.
For more detailed information, contact the National Flood Insurance Program toll-free number 1-888-379-9531.