Floods

Federal Emergency Management Agency (FEMA) Flood Zones Map

View the FEMA 100-Year Floodplains Map. This map displays the 100-year floodplain boundaries as determined by FEMA effective December 22, 2016.

Letter of Map Amendment

For structures or land located in a Special Flood Hazard Area (SFHA, or "100-year floodplain"), the Federal Emergency Management Agency (FEMA) provides several options for removing the property from the flood zone, which also eliminates the federal mandatory flood insurance purchase requirement. Collectively, these options are known as "Letters of Map Change" (LOMC), the most common of which is the "Letter of Map Amendment" (LOMA).

While a property owner may need a full elevation survey to obtain a LOMA, two options should be considered if the owner has clear visual evidence that the structure is outside the SFHA.

The first option should always be to contact the lender and ask what documentation was used to make the determination. Most lenders hire a flood zone determination company to do this work. Companies which belong to the National Flood Determination Association (NFDA) adhere to a code of ethics that requires them to determine if the insurable structure is in the SFHA. However some firms only determine whether any portion of the lot is in the SFHA. In those cases, the structure may actually be well outside the SFHA, but the lender will require flood insurance as a condition of making the loan unless you provide clear visual evidence to prove otherwise.

In some cases, even if you provide clear evidence, the lender will still require a letter from FEMA verifying the information you provided. In such cases, you should apply for a LOMA and provide the visual evidence demonstrating that your property is "out as shown."

LOMA-OAS is a determination made by FEMA for the property and/or buildings as to whether it is located within the Special Flood Hazard Area (SFHA). Since no technical data is required, the property owner can apply for this free service directly to FEMA.

Submit your LOMA Application

You will need to carefully follow these steps to ensure that your LOMA application is speedily reviewed and processed by using MT-EZ or Online LOMC.

Remember, even if FEMA approves the LOMA, your lender can still require flood insurance if they determine there is still a flood risk for your structure.

MT-EZ Application (Paper Application)

  1. Download the MT-EZ form.
  2. Fill out the first page and provide the property address and an abbreviated property description (eg., section/town/range, lat/long)
  3. Provide a copy of the effective Flood Insurance Rate Map for the property or do a "FIRMette" on the FEMA Map Service Center website
  4. Provide a copy of a plat, parcel, or tax map for your property
  5. Provide a copy of the property deed - make sure it is dated, signed, and stamped
  6. If not included in one of the above documents, provide an aerial photo showing the SFHA and the location of the structure

Send this data to the LOMA processing center at the address provided. It typically takes less than 10 days for the determination but it can be a month or more during peak periods.

FEMA's Online LOMC (Online Application)

Alternatively, if all of the documentation is in a digital format, you can submit the data electronically by using FEMA's Online LOMC application form:

New FEMA Floodplain Mapping Process

The presentation (presented at the February 24, 2015 City Council Workshop) explains the map change for the City of Wichita and Sedgwick County. View the presentation (PDF).

City Council Workshop

Watch the February 24, 2015 City Council Workshop:

FEMA Flood Map Public Meetings News Conference

Watch the March 4, 2015 news conference:

Insurance Information

  • Flood Smart - Questions about flood insurance or flood recovery
  • National Flood Insurance Program (NFIP) - Overview of FEMA's National Flood Insurance Program with additional information and links for property owners, claims adjusters, insurance professionals, lenders, surveyors, and elected officials.
  • Flood Insurance Manual - List of links to the current edition and previous editions of the Flood Insurance Manual which is used primarily by insurance companies and agents writing National Flood Insurance
  • NFIP Agent Training - Training opportunities from the National Flood Insurance Program for licensed property, casualty insurance agents, and all other interested audiences
  • Cheaper Flood Insurance (PDF) - Learn 5 ways to lower the cost of your flood insurance premium
  • Grandfathering Rules for Insurance Agents (PDF) - When flood map changes occur, the National Flood Insurance Program provides a lower-cost flood insurance rating option known as "grandfathering"