What if I disagree with my lender's determination that I am in the flood zone?
Property owners may not contest the requirement if the lending institution has established the requirement as part of its own standard lending practices. However, if a lending institution is requiring the insurance to meet mandatory flood insurance purchase requirements of the NFIP, the property owner and lender may jointly request that FEMA review the lending institution's determination. The FEMA review merely looks to see if the determination is accurate based upon a review of the NFIP maps and the location of the property in relation to the SFHA.

If a property owner is not satisfied with the results of this review, they may apply for a Letter of Map Amendment (LOMA), which is a more detailed look at the elevation of the structure on the property and the elevation of the floodplain as shown on the NFIP map. Please call Yanping Zhang at 301-883-5787 for additional information on the LOMA process.

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1. My mortgage company informed me that I am in a designated Special Flood Hazard Area (SFHA). What is a SFHA?
2. Why is my lender requiring the purchase of flood insurance?
3. How can a property owner determine if the property is in a Special Flood Hazard Area (SFHA)?
4. What if I disagree with my lender's determination that I am in the flood zone?
5. Who can purchase a flood insurance policy?