Planning and Inspections

Disagreement

Options If You Disagree With Preliminary Maps

When a preliminary flood map is issued and you disagree with the new flood risk identified for your property, you have two ways to try to amend it.

Options Graphic

These two processes are described below.

Appeals and Comments

When a preliminary flood map becomes available, some residents, business owners, developers and others may disagree with the flood risk shown in certain
areas. FEMA provides a 90-day appeal and comment period for new or revised Base Flood Elevations (BFEs), flood hazard zones, and/or floodway boundaries.
Members of the community have opportunities to submit evidence on why they believe their property has been improperly mapped. However, the evidence must
be scientifically or technically based. Even if “it hasn’t flooded in a while (or ever),” technical analysis can show that the risk exists.

During the 90-day appeal and comment period, you can submit:

After the appeal period, FEMA will evaluate the data and/or analysis in the appeals and comments provided during the 90-day period. Once all appeals are resolved, FEMA will send an appeal resolution letter to the community and all appellants and revise the preliminary FIRM as appropriate. After that, FEMA will finalize the flood map and send a Letter of Final Determination to each community, stating that the map will become effective in 6 months.

Letter of Map Changes (LOMCs)

Due to scale limitations, a preliminary map may inadvertently show a building (or part of it) within a high-risk flood zone (a Special Flood Hazard Area, or SFHA). When the new maps become effective, property owners may submit mapping and survey information to FEMA to request a Letter of Map Amendment (LOMA) or a Letter of Map Revision Based on Fill (LOMR-F). The more precise details you provide may allow FEMA to officially change the building’s flood zone from an SFHA to Zone X, a moderate- to low-risk flood zone.

While this process may also remove the federal mandatory purchase requirement for flood insurance when the map becomes effective – and your lender may no longer require flood insurance – it does not mean the risk of flooding has been removed; it is only reduced. You are strongly encouraged to continue to carry flood insurance using the lower-cost Preferred Risk Policy. More than 40% of flood claims in Texas come from policyholders in moderate- to low-risk flood zones.

For more information on LOMAs and LOMR-Fs, visit these resources:

Launch Map

Open House Presentations

Missed the Virtual Flood Risk Open House? Click the links below to access the final presentations.

Virtual Flood Risk Open House Meeting Video

Virtual Flood Risk Open House Meeting Video - Spanish


For more information please call (915) 212-1578 or (915) 212-1580 Monday through Friday from 8:00 a.m. to 5:00 p.m. or email UnzuetaJX@elpasotexas.gov or VillalobosOX@elpasotexas.gov

Additional information is also available on the FEMA website at https://msc.fema.gov/fmcv.

For general questions about flood mapping and insurance contact the FEMA Mapping and Insurance eXchange (FMIX) Customer Care Center. They can be reached at (877) FEMA MAP (1-877-336-2627) from 6:00 a.m. to 5:00 p.m. MT.