There are times where the flood map for a property is incorrect and, after the homeowner requests an inquiry, FEMA issues a Letter of Map Amendment (LOMA) that officially changes the flood zone designation of the property. Unfortunately, FEMA does not update their official maps every time a letter of amendment is issued. Consequently, it is very possible that the flood map for a property will continue to be incorrect even though a LOMA has been issued.
Cases like this, where the homeowner has a letter from FEMA amending the flood designation of their property but the map has not been updated to reflect the amendment, are fairly common. In these cases, we have to wait until FEMA releases a new updated map to show the change to the flood zone for this property. SmartMLS has no influence over when FEMA makes any kinds of updates.
If you have a property that has a FEMA Letter of Map Amendment, please upload it to the Supplements section of your listing and make note of it in the Agent Only Remarks.