This application displays the 100-year floodplain boundaries as determined by FEMA effective December 22, 2016.
Is your home located in the floodplain?
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.
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.
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.
MT-EZ Application Form
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.
FEMA's Online LOMC application form Online Letter Map of Change Fact Sheet
The PowerPoint presentation (presented at the February 24, 2015 City Council Workshop) explains the map change for the City of Wichita and Sedgwick County
See the PowerPoint Presentation
Watch the February 24, 2015 City Council Workshop.
Watch the March 4, 2015 news conference.
Questions about flood insurance or flood recovery?
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.
Visit National Flood Insurance Program
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.
Visit Flood Insurance Manual
Training opportunities from the National Flood Insurance Program for licensed property, casualty insurance agents and all other interested audiences.
Visit NFIP Agent Training
Learn 5 ways to lower the cost of your flood insurance premium.
Cheaper Flood Insurance
When flood map changes occur, the National Flood Insurance Program provides a lower-cost flood insurance rating option known as "grandfathering".
Grandfathering Rules - March 2015 Grandfathering Rules - October 2014
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