Why does the risk assessment tool say I’m in a high-risk area when the ground my home is built on is very high?
Flood Insurance Rate Maps (FIRMs) cannot reflect every variation in the physical geography of an area. Therefore, a FIRM occasionally will show a property as being in a Special Flood Hazard Area (SFHA), even though the building may be above the Base Flood Elevation (BFE).
However, there is a mechanism for resolving such a situation. A property owner can submit property and elevation materials in support of a request for a Letter of Map Amendment (LOMA) to remove the property from the SFHA. This process involves the property owner and Federal Emergency Management Agency (FEMA).
For detailed information regarding the LOMA process, call toll free at 1.877.336.2627.
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