Fact Sheets

How To Request a Flood Hazard Determination Review from FEMA

A Letter of Determination Review (LODR) is an option available to a property owner to appeal a lender's flood zone determination. The request can be made to FEMA, at a current cost of $80, jointly by a lender and borrower within 45 days of the notice to the borrower the building is located within the Special Flood Hazard Area (SFHA) by the lender.

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Everyone Needs Flood Insurance

Floods can happen anywhere—even in areas with low-to-moderate flood risk. Learn more about your property’s flood risk and talk to your insurance agent about a National Flood Insurance Program (NFIP) policy today.

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FEMA Voluntary Agency Liaison

The mission of FEMA Voluntary Agency Liaisons (VALs) is to establish, foster, and maintain relationships among government, voluntary, faith-based, and community partners. Through these relationships, the VALs support the delivery of inclusive and equitable services and empower and strengthen capabilities of communities to address disaster-caused unmet needs.

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In an effort to keep FEMA.gov current, please see the content archive for information prior to January 20, 2021.

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