• Do you really need flood insurance?

    Let us help you answer that question!

LOMA Fill Process

Is Our Standard

Point West Engineering

What is a LOMA?

A LOMA is a certificate from FEMA stating that an existing structure or parcel of land would not be inundated by the base flood.

As part of it administration of the National Flood Insurance Program, the FEMA publishes flood hazard maps, called Flood Insurance Rate Maps or FIRMs. The purpose of FIRM is to show the areas in a community that are subject to flooding and the risk associated with these flood hazards.

One of the areas shown on the FIRM is a Special Flood Hazard Area. The SFHA is the area that has 1% or greater chance of flooding in any given year; this area is also referred to by some as the 1-percent-annual-change floodplain, base floodplain or the 100-year floodplain.

The flood hazard and risk information presented on the FIRMs is the result of engineering studies that are performed by: engiering companies; other federal agencies; or communities; which are reviewed for compliance with FEMA guidelines and approved by FEMA.

FEMA uses the most accurate flood hazard information available and applies rigorous standards in developing the FIRMs. This elevation is most commonly referred to as the Base Flood Elevation or BFE.

These projects have included evaluations, design, permitting, geotechnical analysis, hydrologic studies, construction management, design build , and turnkey contracts for both private and public projects.

Michael F. Kelley brings 40 years of experience as project manager and principal engineer on a variety of civil & enviromental projects throughout the Tampa Bay area.

Michael F. Kelley

Call today to set up an appointment and let us put our experience to work for you.


With your approved LOMA you will never have to purchase flood insurance again .....


The steps for LOMA approval:

  • Prepare Elevation Certificate
  • Prepare package
  • Local review at County Level and/or SWFWMD
  • Submit hard package to FEMA

Some areas have been shown within a Flood Zone on a Rate Map even though the property/structure is on natural ground and is at or above the Base Flood Elevation and should not be represented in a Flood Zone. What it means for you is Flood Insurance is optional.

It normally takes 6-8 weeks from the time an application is received until a letter of determination is issued. Applications are processed on a first come, first served basis.

Call us today to discuss your options and to get more details on possibly obtaining a LOMA. When you apply for a LOMA and it is approved, it stays with the structure.


What you need to know


Flood Zone
FEMA LOMA Do you really need flood Insurance


For other small areas, earthen fill may have been placed during construction, thereby elevating a small area with the SFHA to an elevation that is at or above the BFE. This construction may have taken place during the time the engineering study was being performed or subsequent to the study. Because of the limited extent of the elevated area and the limitations of the map scale, it may not have been possible for FEMA to show this area as being outside the SFHA and so these areas have been incorrectly included in the SFHA on the FIRM.

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 the Letter of Map Amendment, or LOMA, process and the Letter of Map Revision Based on Fill, or LOMR-F, process.

Through these processes, an individual who owns, rents or leases property may submit certain mapping and survey information to FEMA and equest that FEMA issue a document that officially removes a property and/or structure from the SFHA. In most cases, the applicant will need to hire a Licensed Land Surveyor or Reqistered Professional Engineer to prepare an Elevation Certificate for the property.