What can homeowners do if they believe their homes should not be included in an SFHA?
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.

Show All Answers

1. What is the National Flood Insurance Program?
2. What is the "new" FEMA map?
3. How do I obtain a copy of the flood hazard map for the City of San Mateo?
4. Why do I need to purchase insurance if there has never been a flood in the neighborhood?
5. Why is purchasing flood insurance important to homeowners?
6. Is flood insurance required for all structures in the floodplain?
7. What is the difference between tidal flooding and stormwater/residual flooding?
8. What other projects are needed to get my neighborhood out of the flood zone?
9. What is the City doing to help residents stuck in the flood zone?
10. Why doesn’t the City form assessment districts to fund completion of all flood related projects?
11. How do I purchase a flood insurance policy?
12. How are flood insurance premium rates calculated?
13. If my agent has questions where should he/she call?
14. What processes are available for changing or correcting the information shown on the flood hazard map when large areas of a community are affected?
15. Why is the burden of proof placed on the community or person that requests a map change?
16. What can homeowners do if they believe their homes should not be included in an SFHA?
17. Under what circumstances will FEMA waive the review and processing fee for a map change request?
18. Where can I learn more about the National Flood Insurance Program?
19. Why did a lien show up on the property report in February 2020?
20. How do I obtain a flood elevation certificate for my property?