Disagree with your flood zone designation? A FEMA Letter of Map Amendment (LOMA) can officially remove your structure from the flood zone!
A LOMA is Your Ticket to Savings!
A Letter of Map Amendment (LOMA) is a FEMA document issued to a structure that officially changes the flood zone rating.

The flood maps used by your lender and insurance company are created and published by FEMA. While FEMA makes every effort to produce accurate flood maps, it recognizes that some properties will be placed within the flood zone.erroneously. FEMA created the Letter of Map Amendment (LOMA) process to give homeowners a chance to provide better elevation data and dispute their flood zone designation.

FEMA's LOMA page for more information.
LOMA Benefits
Eliminate Flood Insurance
Flood insurance becomes optional with a LOMA. If you decide to carry a flood policy, you will be eligible at the Preferred Risk Policy (PRP) rates.
See rates >
Insurance Refund
Receive a 100% refund on your current flood insurance policy, and in some cases, up to 2 years of flood insurance premiums!
Increase Your Home Value
Having an approved LOMA increases the value of your home. Many prospective buyers won’t consider a home that requires costly flood insurance.
We Make LOMAs Easy!
Our LOMA preparation service ranges from $250 - $400 for most properties. The estimate you receive provides a range of pricing options to fit your budget, as well as a copy of the flood map showing your structure as it relates to the flood zone.
Fast LOMA Approvals
Get your approved LOMA in 1-10 business days, compared to the 60-day turnaround with traditional LOMA submissions. As licensed professionals, we have access to FEMA's "eLOMA" tool, which often allows us to obtain same-day LOMAs!
Get Started
A FEMA Elevation Certificate is all that's needed to get started. If you don't have one, we have a range of options to assist in obtaining one.
Elevation Certificate >
Why Anabranch Flood?
We're Problem Solvers
Each LOMA has different requirements, different permits, different levels of documentation. We’ve completed simple projects for as little as $200 all the way up to large-scale commercial projects costing thousands. We seek out the most cost-effective approach for you to ensure you get the biggest refund while spending the least amount of money.
Start to Finish
We guide you through the process from start to finish. It's important to us you feel confident in the LOMA process. We guide you from initial consult all the way to getting your insurance refund. Phone, chat, or email - however you need to get ahold of us, we're here for you!

Money Back Guarantee

If we're not successful securing your LOMA, we'll issue a 100% refund. It's that simple. Start your free estimate today!

Get Answers

Call us at 800-897-4993, chat online below, or email us with your questions. We pride ourselves on same-day responses!

Learn More

Our Resources page has common FEMA flood plain definitions, as well as frequently asked questions about the LOMA process.