What if I disagree with my lender's determination that I am in the flood zone?

Property owners may not contest the requirement if the lending institution has established the requirement as part of its own standard lending practices. However, if a lending institution is requiring the insurance to meet mandatory flood insurance purchase requirements of the National Flood Insurance Program (NFIP), the property owner and lender may jointly request that Federal Emergency Management Agency (FEMA) review the lending institution's determination. The FEMA review merely looks to see if the determination is accurate based upon a review of the NFIP maps and the location of the property in relation to the Special Flood Hazard Area (SFHA).

If a property owner is not satisfied with the results of this review, they may apply for a Letter of Map Amendment (LOMA), which is a more detailed look at the elevation of the structure on the property and the elevation of the floodplain as shown on the NFIP map. Please contact the Sustainability Division at (301) 883-5810 or ltennekoon@co.pg.md.us for additional information on the LOMA process.

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