What is a flood zone, and why does it matter?

A flood zone is a geographic area FEMA designates to indicate a property’s risk of flooding. If your property is in a high-risk zone (like Zone A or AE), your lender may require flood insurance — even if your actual flood risk is low.

Can I really remove my flood insurance requirement?

Yes — if your property has been wrongly placed in a high-risk flood zone, you may qualify for a Letter of Map Amendment (LOMA) to officially correct FEMA’s map and remove the flood insurance requirement.

How do I know if I’m in the wrong flood zone?

Many homeowners are incorrectly mapped into high-risk zones due to outdated or inaccurate FEMA data. Our team uses official FEMA maps and elevation data to determine if you’re eligible to dispute your zone.

What’s wrong with free flood risk tools like Flood Factor?

Most free tools use predictive models, not official FEMA data, and often overestimate flood risk. This can cause unnecessary stress — and worse, lead you to overpay for insurance. We provide verified, compliant FEMA zone determinations you can use with your lender.

What is a LOMA, and how does it help me?

A LOMA (Letter of Map Amendment) is a formal FEMA document that removes your structure from the flood zone if elevation data proves it’s not at risk. Once approved, you can submit it to your lender to remove mandatory flood insurance.

How much does your service cost?

Our pricing depends on the complexity of the case, but we offer clear, flat-rate options with no hidden fees. And in many cases, removing flood insurance pays for itself within a year or less.

How long does the process take?

Zone reviews are completed within 24 hours. If a LOMA is needed, FEMA’s review usually takes 4 to 6 weeks — but the sooner you start, the sooner you can stop paying unnecessary premiums.

Do I need to contact FEMA myself?

No. We handle all of that for you. If a dispute is warranted, we’ll manage the full process, including preparation and submission of any LOMA documents to FEMA.

Will my lender accept your determination?

Yes. Our reports are based on FEMA’s official standards and are lender-ready. If your flood zone is corrected through FEMA, your lender is required to accept the updated status.

Ready to Challenge Your Flood Zone?

Get Your Official FEMA Flood Zone Report Today!