​FEMA – LOMA & Elevation Certificate -  The National Flood Insurance Program (NFIP) Elevation Certificate (EC) is an administrative tool of the NFIP which is to be used to provide elevation information necessary to ensure compliance with community flood plain management ordinances, to determine the proper insurance premium rate, or support a request for a LOMA. A LOMA (Letter of Map Amendment) is a document issued by FEMA which officially removes a home or other building from the flood zone by revising the Flood Insurance Rate Map (FIRM). To determine your risk, look at the FEMA flood insurance rate map (also known as a FIRM) for your region. Flood plains are expected to flood periodically, and are described by the expected frequency, such as an annual flood plain or a 100-year flood plain. If you're in a flood plain, you should consider purchasing flood insurance, since it is a reasonable assumption that a flood is likely during your lifetime. If you live, or are considering moving to, areas where flooding may be a problem, then you may be in need of special land surveying or an elevation certificate. At Spot On Surveying, we can determine the true elevation of the ground at your home. If it is above the flood elevation, we can submit a request to FEMA to remove your home from the High Risk Flood Zone. We will file a request for a LOMA to have your home removed from the flood zone. A Removal Determination from FEMA will officially remove your home from the flood zone and the chances are almost certain that it will eliminate the need for flood insurance. It may be possible to file a LOMA request and have the response back within a week.