Live FEMA + USGS data, any US address

You may be paying for flood insurance you can legally drop.

FEMA's flood maps draw high-risk zones in broad strokes, and plenty of lots inside the lines actually sit at or above the base flood level. Federal rules let those owners apply for a Letter of Map Amendment (LOMA) that removes the insurance mandate entirely. This free check compares your FEMA flood zone against real USGS ground elevation in about 30 seconds.

Run my free check How a LOMA works
77%of NFIP policyholders pay more under Risk Rating 2.0
20 to 200%typical premium increases since the 2021 repricing
$0FEMA fee for a standard LOMA application
Permanenta granted LOMA removes the federal mandate for good
The 30-second screen

Your flood zone versus your actual elevation

We pull your FEMA flood zone and Base Flood Elevation from the National Flood Hazard Layer, your ground elevation from USGS lidar, and NFIP claims history for your census tract. Live federal data, nothing cached, nothing made up.

Free. No account. Nothing stored about your address.
Geocoder FEMA flood zone USGS elevation Datum convert NFIP claims Nearby LOMAs
The removal path

From "mapped in" to "mandate removed" in three steps

A Letter of Map Amendment is FEMA's own correction process. If your structure's lowest adjacent grade sits at or above the Base Flood Elevation, FEMA amends the map for your property. Lenders can no longer require flood insurance on it.

1

Free screen (this page)

We compare FEMA's mapped Base Flood Elevation against USGS lidar ground elevation at your address and score how likely a surveyor is to confirm you clear the line. Cost: nothing.

2

Elevation Certificate

A licensed surveyor measures your actual lowest adjacent grade, typically $400 to $900. Many also prepare and file the full LOMA package for $500 to $2,000. We connect you with one who works your county.

3

FEMA determination

FEMA reviews a standard LOMA at no filing fee, usually within 60 days. Granted means your property is officially out: the federal purchase requirement disappears and coverage becomes your choice, not your lender's.

Who this is for

Homeowners check free. Professionals buy the pipeline.

Risk Rating 2.0 repriced 3.4 million single-family policies, and the owners overpaying the most are exactly the ones sitting above the base flood. Every strong candidate this tool finds is a survey job, a listing edge, or a saved client relationship.

Homeowner check

Free
For owners and buyers
  • Instant zone + elevation screen on live FEMA and USGS data
  • Plain-English readout of your LOMA case
  • Claims history for your tract
  • No account, no address stored
Run the free check
Most requested

Full property report

$19 per address
For serious candidates
  • Everything in the free screen, plus the FIRM panel and map excerpts
  • Prefilled MT-EZ application pointers
  • Comparable granted LOMAs on your block
  • Hand-off packet your surveyor can start from

Qualified LOMA leads

$50 to $100 per lead
For surveyors, engineers, agents
  • Pre-screened above-BFE parcels in your service area
  • Owner already understands the LOMA pitch
  • Elevation Certificate + LOMA package work, $500 to $2,000 per job
  • Pilot counties: Miami-Dade and Broward first
Next step

Get your result reviewed by a human

Leave your details and your check result travels with them. Homeowners: we match you with a licensed surveyor working your county and send the full report when it ships. Surveyors and agents: tell us your coverage area and we will route qualified candidates your way as the pilot opens.

Built in Miami by Georg Chimion. Real data, no spam, one follow-up email.

Your last on-page check rides along automatically so nobody asks you to run it twice.

Got it. Your result is in the queue and you will hear back within one business day. If a surveyor match makes sense we include their intro in the same email.
Straight answers

LOMA questions, answered honestly

Is this an official FEMA determination?
No. This is a preliminary screen on public data. It tells you whether spending $400 to $900 on a surveyor is likely to pay off. Only a licensed surveyor's Elevation Certificate and FEMA's own review are authoritative, and this page says so on every result.
What exactly is a LOMA?
A Letter of Map Amendment is FEMA's process for correcting the flood map for one property. FEMA drew the zones from area-wide studies; if a surveyor proves your structure's lowest adjacent grade is at or above the Base Flood Elevation, FEMA issues a letter placing the structure outside the Special Flood Hazard Area. The federal mandatory purchase requirement no longer applies to it.
If my LOMA is granted, do I have to drop coverage?
No, and often you should not drop it entirely. The point is choice: your lender can no longer force a full-risk policy. Many owners keep a lower-cost preferred risk policy, typically hundreds instead of thousands per year. Flooding does not read maps; about one in four NFIP claims comes from outside high-risk zones.
Why would the map be wrong about my lot?
FEMA maps whole neighborhoods at once, and zone boundaries follow study contours rather than individual lots. Fill placed during construction, natural ridges, and mapping generalization all leave individual structures sitting above the base flood while still being inside the drawn zone. That mismatch is exactly what a LOMA exists to fix, and thousands are granted every year.
What data does this tool actually use?
Four live federal sources, no key, no cache: the US Census geocoder for your coordinates, FEMA's National Flood Hazard Layer for the zone and Base Flood Elevation, the USGS Elevation Point Query Service (1-meter lidar) for ground elevation, and OpenFEMA for NFIP claims in your tract. Where the flood map's elevation datum is older NGVD29, we convert with NOAA's VDatum service and show the conversion.