Commercial Property Specialists

STOP PAYING FOR FLOOD INSURANCE YOU DON'T NEED

We help commercial property owners remove their buildings from FEMA flood zones through the official LOMA process. Save thousands annually on unnecessary flood insurance premiums.

Get Your Free Assessment Learn How It Works
$495
Flat Fee Service
45-90
Day FEMA Response
U.S.Wide
Nationwide Coverage
100%
MT-1 Preparation
Understanding Your Options

WHAT IS A LOMA?

A Letter of Map Amendment could be your ticket out of the flood zone—and out of mandatory flood insurance.

Your Property May Be Incorrectly Mapped

A Letter of Map Amendment (LOMA) is an official determination by FEMA that your property has been incorrectly included in a Special Flood Hazard Area (SFHA). Many commercial properties were placed in flood zones based on outdated elevation data or mapping errors.

If your building's lowest floor is at or above the Base Flood Elevation (BFE), you may qualify for removal from the flood zone designation—eliminating the requirement for flood insurance.

Benefits of a Successful LOMA

  • Eliminate mandatory flood insurance requirements
  • Save $5,000 - $50,000+ annually in premiums
  • Increase property value and marketability
  • Simplify refinancing and loan compliance
  • Permanent determination (runs with the land)
ZONE AE
→
ZONE X

From high-risk flood zone to minimal risk—with proper documentation

Simple & Streamlined

OUR 4-STEP PROCESS

We coordinate everything—you just provide the documents and we handle the rest.

1

Submit Documents & Authorization

Just give us your property address and we'll take it from there.

2

We Review & Coordinate

Our team reviews your documents, runs a flood zone determination, and coordinates with licensed land surveyors to obtain quotes for required items.

3

MT-1 Preparation

We prepare and compile your complete FEMA MT-1 application package with all required documentation.

4

FEMA Submission & Tracking

We submit your application to FEMA on your behalf as your authorized representative and track progress until you receive your determination.

Transparent Pricing

STRAIGHTFORWARD FEES

One flat fee for our professional services. No hidden costs, no surprises.

$495
Per Property Address
✓

What's Included

  • Complete review of all submitted materials
  • Flood zone determination report
  • Identify and coordinate with third-party licensed land surveyor
  • Obtain quotes to prepare required items for LOMA application:
    • Elevation Certificate
    • Property survey with elevations
    • Site map preparation
  • Full MT-1 application preparation
  • Submit application to FEMA on your behalf
  • Track application progress until determination
$

Additional Costs (Client Responsibility)

  • Land Surveyor / Engineering Fees:
    • Elevation Certificate: $600 – $2,000+
    • Varies by property size, complexity, and location
  • FEMA Application Fees:
    • LOMA (single or multiple lot): FREE
    • LOMR-F (single lot): $425 – $525
    • LOMR-F (multiple lot): $800 – $900
    • CLOMA/CLOMR-F: $500 – $800
  • Other Potential Fees:
    • Local permit or filing fees
    • Additional engineering certifications
    • Rush service fees (if requested)

All additional costs are provided as quotes and approved by client before any work begins.

Important: Our $495 service fee is non-refundable. FEMA makes the final determination on all LOMA applications. We submit applications on your behalf as your authorized representative.

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Common Questions

FREQUENTLY ASKED QUESTIONS

FEMA allows property owners to designate an authorized representative to submit LOMA applications on their behalf. As part of our engagement, you'll sign a Client Authorization Form that grants us permission to prepare and submit the MT-1 application, coordinate with FEMA, and receive correspondence on your behalf. This is standard practice and ensures a smooth process.
Once we submit your completed MT-1 application to FEMA, they typically respond within 45-90 days. The total timeline depends on how quickly you can provide the required documents and whether any additional surveyor or engineering work is needed for your property.
Our service fee is non-refundable regardless of FEMA's determination. However, before we submit, we thoroughly review your documentation to assess eligibility. If your property doesn't appear to qualify, we'll discuss this with you before proceeding. In some cases, a denied LOMA may be re-submitted with additional documentation.
No, ChangeYourFloodZone.com exclusively serves commercial property owners. We do not accept single-family residential properties. Our expertise is focused on the unique documentation and coordination requirements of commercial real estate.
Beyond our $495 service fee, you may need to pay for professional services such as a licensed surveyor to prepare an elevation certificate, or an engineer's certification. Some jurisdictions also require local permits or filing fees. We'll identify any additional requirements during our initial document review and provide cost estimates before you commit.
Your property may qualify for a LOMA if it was built on naturally high ground (not filled land) and the lowest floor elevation is at or above the Base Flood Elevation. Properties on filled land may qualify for a LOMR-F instead. The best way to find out is to submit your documents for our review—we'll assess your specific situation and advise on the best path forward.
Yes, a LOMA determination "runs with the land" and remains valid unless FEMA updates the flood maps in a way that affects your property. If new flood studies change the Base Flood Elevation in your area, a previously granted LOMA could potentially be superseded, though this is relatively rare.
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Commercial properties only. U.S. properties only.