The Federal Emergency Management Agency (FEMA) applies rigorous standards to develop Flood Insurance Rate Maps (FIRMs) and uses the most accurate hazard information available. FEMA provides two ways to challenge the flood hazard designation for properties in these areas. The LOMA process is for properties on naturally high ground, and the LOMR-F process is for properties elevated by fill. LOMAs and LOMR-Fs can officially amend an effective FIRM. They can establish that a property is not in an SFHA. By doing so, they remove the federal flood insurance requirement.
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