NFE Solution: LOMA; Modeling Services

A single-family homeowner in Afton, MN, reached out to NFE to explore potential cost-saving scenarios for their home and detached garage located in a complex A-Zone.

NFE got to work immediately to provide a comprehensive solution to the Client's challenges. First, NFE gathered the relevant documents and performed the complimentary desktop engineering review. Due to the complex and understudied nature of A-Zones, modeling was required to confirm area data. The desktop review coupled with the modeling services qualified the Client's home and garage for removal from the Special Flood Hazard Area (SFHA) via a Letter of Map Amendment (LOMA). Next, the NFE team prepared an airtight case and submitted it to the Federal Emergency Management Agency (FEMA) for approval.

The LOMA was approved thanks to NFE's efforts, removing the home and garage from the high-hazard flood zone and eliminating the lender requirement for flood insurance.

With the LOMA in hand, the Client's lender released the mandate for flood insurance on the property. With the lender mandates out of the picture, the Client was able to modify or cancel their flood insurance policy as they wished.