Florida communities know flood insurance can be a budget-buster—especially when a community’s maps are outdated or overly conservative. Our team has helped associations across the state use FEMA Letters of Map Amendment (LOMAs) to correct flood-zone errors, remove buildings or lots from Special Flood Hazard Areas (SFHAs), and cut annual premiums by tens of thousands of dollars—without compromising safety or compliance.
Note: The following Florida HOA case studies reflect real types of results and methods; names and non-essential details are adjusted for privacy.
Miami (Miami-Dade County) — Bayside Vista HOA, Miami
Problem: Several buildings were mapped in AE flood zone based on legacy contours. Elevations from original construction were never submitted to FEMA.
Our Work: We performed certified elevation surveys, tied to NAVD88 benchmarks, and prepared a LOMA package demonstrating the Lowest Adjacent Grade (LAG) exceeded the Base Flood Elevation (BFE) by 1.1–1.6 feet for five structures.
Result: FEMA issued individual structure LOMAs. Carriers re-rated policies from AE to X (or removed mandatory coverage).
Savings: ~$62,400 per year across 54 policies.
HOA President: “We’d been paying flood premiums for years we didn’t need. Your LOMA work flipped the rating, and the savings funded our seawall inspection and roof reserve in the same year.” — Marisol V., President, Bayside Vista HOA
Management Company: “Clean surveys, complete forms, and fast FEMA responses. Couldn’t ask for more.” — Daniel P., Community Manager, CoastalKey Property Mgmt.
Broward — Cypress Harbour Townhomes HOA, Fort Lauderdale
Problem: Townhome rows were partially in an AE fringe due to generalized LiDAR. Lenders required full policies at closing, depressing unit values.
Our Work: Lot-by-lot field shots, finished-floor certifications, and a consolidated LOMA request.
Result: 42 units reclassified from AE to Zone X.
Savings: ~$71,300 per year; plus smoother mortgage approvals and improved resale activity.
HOA President: “We saw premiums drop almost immediately at renewal. The resale bump alone was worth it.” — Rafael G., President
Management Company: “They handled owner letters, lender questions, and all FEMA back-and-forth. Zero drama.” — Kara S., Portfolio Manager, HarborPoint Management.
Palm Beach — Seabreeze Dunes HOA, Boca Raton
Problem: A cluster of garden buildings was mapped AE due to an outdated BFE; recent drainage upgrades never made it into FEMA’s effective panel.
Our Work: Elevation Certificates, as-built drainage verification, and a multi-structure LOMA with supporting hydrologic notes.
Result: Eight buildings removed from AE; mandatory flood dropped to optional.
Savings: ~$58,000 per year; reserve contribution increased without raising dues.
HOA President: “Your LOMA saved us enough to fully fund painting and concrete restoration this cycle.” — Linda T., President
Management Company: “Their documentation made our insurer’s re-rating straightforward. Big win for the community.” — Omar H., Community Association Manager, Atlantic Shores Mgmt.
Orlando (Orange County) — Lake Nona Preserve HOA, Orlando
Problem: Developer-era grading met BFE at buildout, but FEMA maps still showed AE along interior lakes.
Our Work: GNSS control, spot grades, and finished-floor confirmations for representative buildings; prepared Out As Shown LOMA requests where appropriate.
Result: Majority of targeted parcels recognized as Zone X (shaded/unshaded).
Savings: ~$44,900 per year; individual owners saw premium reductions of $400–$1,200 each.
HOA President: “This unlocked dollars we redirected into landscaping and playground upgrades.” — Sonia M., President
Management Company: “They coordinated owner consents and kept everyone informed at each FEMA milestone.” — Trevor D., Association Manager, SunState Communities.
Jacksonville (Duval County) — Riverview Bluffs HOA, Jacksonville
Problem: River adjacency pushed several lots into AE on paper, yet field elevations told a different story.
Our Work: Tidal datum review, cross-checks against BFE profiles, and structure-specific Elevation Certificates; LOMA submissions for primary buildings only.
Result: 15 homes removed from mandatory purchase requirement; remaining owners received premium reductions through EC-based re-ratings.
Savings: ~$36,700 per year aggregate.
HOA President: “Owners had tried appealing one-off and hit walls. Your coordinated approach got everyone across the finish line.” — James K., President
Management Company: “Professional, responsive, and lender-friendly documentation.” — Elena R., Property Manager, RiverCity Assoc. Mgmt.
Sarasota (Sarasota County) — Siesta Cove Pointe HOA, Sarasota
Problem: Coastal proximity plus conservative panel lines placed mid-community buildings in AE despite elevated pads.
Our Work: High-accuracy topo, foundation elevations, photo documentation, and a multi-structure LOMA packet with clear exhibits for each address.
Result: Six buildings reclassified, mandatory flood no longer required; carriers issued refunds where applicable.
Savings: ~$52,800 per year; special assessment for clubhouse HVAC was avoided.
HOA President: “Best ROI project we’ve done in a decade.” — Carolyn W., President
Management Company: “They speak FEMA, insurance, and construction—rare combo.” — Patrick L., Senior Manager, GulfCoast Community Mgmt.
Why LOMA Works (and When It Doesn’t)
Why LOMA Works (and When It Doesn’t)
Works when: The natural ground (LAG) or finished floor (LFE) of a structure is at or above the BFE, but the effective FEMA map still shows AE/VE due to coarse data or old assumptions.
Doesn’t work when: The building truly sits below BFE or flood pathways remain. In those cases, we pivot to mitigation, EC-based rating improvements, or long-term map revision strategy.
Our Process:
1) Feasibility check (free phone review of maps, BFEs, and prior surveys)
2) Field survey & Elevation Certificates (NAVD88 control)
3) LOMA preparation & submission (FEMA MT-1 forms, exhibits, and proofs)
4) Carrier & lender coordination (so savings show up on renewals/closings)
Put Your HOA’s Dollars Back Into Reserves
Put Your HOA’s Dollars Back Into Reserves
If your community was built to code but still shows up in AE/VE on FEMA panels, there’s a good chance a LOMA can legally lower or eliminate flood premiums for some or all buildings. We handle everything start-to-finish.
Call 877-894-8001 or email us to schedule a quick feasibility review for your association.
Meta (for your website)
Meta (for your website)
Title: Florida HOA LOMA Services — Cut Flood Insurance Costs with FEMA Map Amendments
Meta Description: We help Florida HOAs secure FEMA LOMA approvals to correct flood zones and reduce premiums—often saving communities tens of thousands annually. Serving Miami, Broward, Palm Beach, Orlando, Jacksonville, and Sarasota. Call 877-894-8001.
Disclaimer: Case studies illustrate typical outcomes where elevations exceed BFE and documentation is complete. Savings vary by carrier, policy, and structure elevation.