FEMA review of a LOMC application can take up to 90 days once all requested information is received.

If more information is requested, the applicant has 90 days to submit the additional data or the case will be suspended with no further action.

Once all requested information is submitted to FEMA, the preliminary review process begins again.

If no further information is required, FEMA will begin its technical review, which can take up to 90 days.

When the application review is complete, FEMA will issue a Determination Document for removal or non-removal of the structure, property, or portion of a lot from the SFHA.

If FEMA grants a LOMA or LOMR-F request, the property owner may no longer be required to pay flood insurance. The property owner may send the Determination Document from FEMA to the lender and request that the federal flood insurance requirement for the structure be removed. It is the lender’s prerogative and it may opt to still require flood insurance.

If FEMA denies a LOMA or LOMR-F request, the Determination Document will state "denial," and there is no change to the flood insurance purchase requirements or development regulations for the structure or parcel. The applicant may submit a new application with updated data.

All issued LOMAs and LOMR-Fs are added to the Map Service Center (available at msc.fema.gov/portal/home)and included in the digital FIRMs.

LOMAs or LOMR-Fs can be incorporated into new effective FIRMs or be reissued after the effective date of a new Flood Insurance Study (FIS).

LOMAs or LOMR-Fs can also be superseded by a future FIS.