Yes. While the flood zone determination may be outdated, the elevation measurements should still be the same. Federal Emergency Management Agency (FEMA) will use the Lowest Adjacent Grade measurement to review your LOMA request.
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For a standard LOMA request there’s no fee. Yet, a LOMA application requires an Elevation Certificate. If you don’t have one, then you’ll need to obtain one from a surveyor. (Find a Land Surveyor) Before you order a new Elevation Certificate, check with your flood insurance agent to see if they have one on-file.
However, if your building was constructed atop fill that was brought in for its construction, then a different type of LOMA Application (LOMA-Friday) will be necessary, and there’s a significant Federal Emergency Management Agency (FEMA) fee for these applications.
Yes. If you have a Federal Emergency Management Agency (FEMA) Elevation Certificate for your building, there’s an easy way to tell if your building qualifies for a LOMA. Much older and some very new Elevation Certificates may have this information in different blocks. View the following to see how the building qualifies:
If you already have elevation certificates for each building (only one building can be on an Elevation Certificate) and they all qualify for a LOMA, then you can just submit a separate LOMA application for each building. If you don’t have Elevation Certificates for each building, then you can apply for a LOMA that reclassifies the entire lot as being in a different flood zone, which would include all structures on that lot. The key to filing such an application, is that instead of the Lowest Adjacent Grade needing to be higher than the flood level, the lowest point on the entire lot must be higher. You’ll need a land surveyor to complete a special Federal Emergency Management Agency (FEMA) Elevation Form.
No. However, if conditions at the building have changed or if a certificate is very old, some lending institutions may require you obtain a newer version. While there’s an expiration date on the certificate, that’s an expiration date for the version of the form, not the completed certificate. Often, a new version of this form isn’t available before the old version expires, so the older version is extended. So don’t be concerned, if the date your certificate was completed was after the form’s expiration date.
No, but for several reasons we wouldn’t recommend cancelling your flood insurance policy:
Yes. Setup an account with Federal Emergency Management Agency (FEMA) to submit your application. Using this method, you’ll actually be completing the MT-1 form online. Then you’ll be asked to upload your supporting documents. If you’re handy with computers and online forms then you may find this useful.
If you find this process challenging, then you might be better-off mailing in your application:LOMC Clearinghouse847 S Pickett StreetAlexandria, VA 22304-4605Attention: LOMA Manager
Some lots straddle the boundary line between different flood zones. If the boundary line touches the building (not the property), then that building is in the higher regulated zone.
City staff do not know how your building is rated, or if there are multiple buildings on the lot, each of which may be in different flood zones, so you were included in the notice. If you know your buildings are rated as being entirely within the "Shaded-X" flood zone, then you can disregard that notice.
In the example pictured, a flood boundary line touches three buildings (with red dots). All three of these buildings are considered within the more expensive "AE-6" flood zone, rather than the less-expensive "Shaded-X" zone.
As of March 2018, LOMA application processing times are averaging about 3 three weeks. Applications submitted online are processed faster.