How to Contest Flood Zones

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    • 1). Obtain Form MT-EZ from the NFIP. Using this form helps ensure that you submit all of the required information.

    • 2). Fill out Section A of the form. This will ask for the legal description of the property, which should be on the copy of the deed. It will also ask you to state whether you are contesting the flood zone for your entire property or only parts of it. You also need to state whether fill dirt may have been placed on your property to elevate it above the base flood elevation (BFE). If so, you will need a different form, MT-1. Next, fill in your name, address, email address and phone number. Then sign and date the first page of the form.

    • 3). Hire a registered professional engineer or licensed land surveyor to complete a survey of your property. The surveyor will complete Section B of Form MT-EZ. If you are contesting the flood zone for a structure only and have an elevation certificate for that structure, you can submit it in lieu of Section B.

    • 4). Include your supporting documentation with the form. This includes a flood insurance rate map (FIRM), which you can look up at the FEMA map service center. The engineer or surveyor you use will also have a copy. You will also need a plat map and a copy of the property deed, which must have a stamp from your local recorder's office.

    • 5). Mail Form MT-EZ and your documentation to the following address:

      LOMC Clearinghouse

      7390 Coca Cola Drive, Suite 204

      Hanover, MD 21076

      Attn: LOMA Manager

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