FEMA uses the most accurate flood hazard information available and applies rigorous standards in developing Flood Insurance Rate Maps or FIRMs. However, because of limitations of scale or topographic definition of the source maps used to prepare a FIRM, small areas may be inadvertently shown within a Special Flood Hazard Area (SFHA) even though the property is on natural ground and is at or above the elevation of the one-percent-annual-chance flood, or base flood elevation (BFE). Recognizing that these situations do occur, FEMA established administrative procedures to change the designation for these properties on the FIRM. These processes are referred to as a Letter of Map Amendment (LOMA) or Letter of Map Revision-Based on Fill (LOMR-F). For more information about the LOMA/LOMR process visit FEMA's website at LOMA/LOMR FEMA Process. In some cases, the applicant will need to hire a Licensed Land Surveyor or Registered Professional Engineer to prepare an Elevation Certificate for the property. There is no fee to apply for a LOMA/LOMR. 

To see if your property already has a LOMA/LOMR/LOMR-F call Christina Rimes at 941-882-7412 or visit the LOMA/LOMR Map.