Fact Sheets
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.
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.