Letter of Map Amendment
A property owner can request a LOMA from FEMA if they believe that their property is incorrectly designated as being in a high-risk flood zone. To obtain a LOMA, the property owner must provide documentation, such as an elevation certificate, to demonstrate that the property is at a higher elevation than the base flood elevation.
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A FEMA Letter of Map Amendment (LOMA)
Dispute your FEMA Flood Zone. A Letter of Map Amendment is an official document issued by FEMA showing that an existing structure, that is shown to be on naturally high ground, would not be inundated by the base flood (high-risk).
If a LOMA removes a structure from a Special Flood Hazard Area, and if the lender waives the flood insurance purchase requirement, a premium refund for the current policy term may be obtained.