The bank said I need flood insurance, but I do not believe my property is in a flood area. What can I do?

National banks and federal savings associations (collectively, bank) determine if flood insurance is applicable based on a review of the appropriate flood maps. If you believe that the flood map used by your bank incorrectly identified your property as being in a Special Flood Hazard Area (SFHA), federal law allows the lender and borrower to jointly apply to the Federal Emergency Management Agency (FEMA) to request a review of the decision.  Requests to FEMA for a flood hazard determination review must be postmarked no later than 45 days following the date the bank notified the borrower that the property is in an SFHA.

For information about submitting a request, call a map specialist at 1-877-336-2627 or mail the request to:

LOMC Clearinghouse

3601 Eisenhower Avenue, Suite 500

Alexandria, VA 22304-6426

Attn.: LOMA Manager

Consumers can apply online at the FEMA website


September 2019