Heidrick & Company Insurance

07/22/2026

Last day to Vote!

News, Sports, Jobs

07/16/2026

We'd appreciate your votes for Best Insurance Agency! You can vote daily through July 22nd. Thanks!! We can be found under the Professional Services category.

News, Sports, Jobs

06/30/2026

LOMA Frequently asked Questions

What is a LOMA?

A Letter of Map Amendment (LOMA) is an official determination from FEMA stating that a specific property has been removed from the Special Flood Hazard Area (SFHA) as shown on the current Flood Insurance Rate Map (FIRM). It confirms the property’s location in relation to the mapped floodplain.

If your property is shown in a high-risk flood zone on FEMA’s map but you believe it is actually above the base flood elevation (BFE), a LOMA can provide official documentation to correct the map. This can help remove a lender’s mandatory flood insurance requirement.

What information is required to apply for a LOMA?

You’ll typically need:

-A completed FEMA MT-1 application form
-Property deed or legal description
-Elevation data, usually from a certified Elevation Certificate prepared by a licensed surveyor or engineer
-A copy of the current FEMA flood map for your area.

What is the difference between a LOMC, LOMA and LOMR?

A LOMC, or Letter of Map Change, is the general term FEMA uses for any official change to a Flood Insurance Rate Map (FIRM). It’s the umbrella category that includes both LOMAs and LOMRs.

A LOMA, or Letter of Map Amendment, is issued when a property owner can show that their home or land was incorrectly placed in a Special Flood Hazard Area. It usually applies when the ground elevation is equal to or higher than the Base Flood Elevation, meaning the flood risk is overestimated. A LOMA corrects the map without requiring any physical changes to the property or floodplain.

A LOMR (Letter of Map Revision) is FEMA's modification to an effective Flood Insurance Rate Map (FIRM), or Flood Boundary and Floodway Map (FBFM), or both. LOMR’s are generally based on the implementation of physical measures that affect the hydrologic or hydraulic characteristics of a flooding source and thus result in the modification of the existing regulatory floodway, the effective Base Flood Elevations (BFEs), or the Special Flood Hazard Area (SFHA).

Will a LOMA remove my requirement for flood insurance?

If the LOMA shows your property is outside the SFHA, your lender may remove the federal requirement for flood insurance. However, lenders can still require coverage at their discretion, and FEMA still recommends flood insurance for most properties.

Courtesy of Peter Craig
(239) 686-0401
[email protected]

03/06/2026

11/26/2025

11/14/2025

BE THE ANCHOR. RUN THE DECK. KEEP THE SHIP MOVING!

Our fast-paced coastal insurance team needs an Office Manager who thrives in the chaos, keeps the crew on course and isn’t afraid to roll up their sleeves. Work hard, laugh harder and sail with us. (Pirates need not apply!)

To see the full job description visit: https://app.idealtraits.com/career/Heidrick-Company-Insurance/329626vie

10/14/2025

We’re proud to share that Emily has been appointed Co-Chair of the Political Advocacy Committee for the Florida Association of Insurance Agents' (FAIA) Young Agents Council!

In this important role, Emily will help shape recommendations to FAIA’s Legislative Committee, playing a key part in guiding the association’s legislative agenda. This opportunity will also deepen her insight into key developments in Tallahassee and across Florida—especially those affecting the affordability and availability of insurance.

Emily’s appointment is a testament to her leadership, dedication, and commitment to our industry. Her involvement will be a great benefit not only to our team but also to the clients we serve.

Please join us in congratulating Emily on this well-deserved honor!

10/02/2025

The island calls to some. How could you ignore this sign that you should be here?

09/09/2025

WE DID IT AGAIN!! Thanks for all the votes!