Land Use & Zoning
A Pennsylvania property owner whose land is in a floodplain may receive a Letter of Map Amendment (LOMA) from FEMA that:
AGrants a variance from all state environmental regulations
BOfficially removes the property from the Special Flood Hazard Area if shown to be above the base flood elevation✓ Correct
CAllows construction in the floodplain without permits
DProvides automatic flood insurance coverage
Explanation
A LOMA removes a specific property or structure from the SFHA (floodplain) when the owner demonstrates — through an elevation certificate from a licensed surveyor — that the land is at or above the base flood elevation. A successful LOMA eliminates the mandatory flood insurance requirement for federally backed loans.
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