Land Use & Zoning
A Minnesota property owner whose land is subject to a special flood hazard area (SFHA) designation on the FEMA FIRM wants to have the area removed. They can petition FEMA for a:
AFlood zone variance from the city
BLetter of Map Amendment (LOMA) if they can provide data showing the property is actually above the BFE✓ Correct
CComplete exemption from flood insurance requirements
DState variance from the NFIP requirements
Explanation
A Letter of Map Amendment (LOMA) is FEMA's process for removing a property from the SFHA designation when the owner can demonstrate the property is actually above the base flood elevation. This can eliminate the mandatory flood insurance requirement for federally backed mortgages.
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