Welcome to the MassiveCert Blog

24 Aug

MassiveCert, Inc. Joins the National Flood Determination Association

MassiveCert, Inc. is proud to announce that it has joined the National Flood Determination Association (NFDA). The NFDA is a national non-profit organization comprised of companies that make, distribute or have a vested interest in flood zone determinations.

The NFDA Mission Statement

Josh Price LOMA 0 Comment(s) read more

13 Jul

Why do I need an Elevation Certificate?

Property owners are often informed by their insurance agent or lender that they need an Elevation Certificate—and their first response is typically, “what the heck is an Elevation Certificate?”

Josh Price Elevation Certificates 0 Comment(s) read more

06 Jul

The Community’s role during the FEMA LOMR-F, CLOMR-F, and LOMR-FW (MT-1) Processes

FEMA doesn’t require participation from a Community CEO or Floodplain Administrator for a Letter of Map Amendment (LOMA) or Conditional Letter of Map Amendment (CLOMA) since FEMA’s determination will be made based on natural, as-built elevations. However, the community is expected to play an active role for Letters of Map Revision based on Fill (LOMR-F), Conditional Letters of Map Revision based on Fill (CLOMR-F) and Letters of Map Revision Floodway (LOMR-FW) by reviewing the Community Acknowledgement Form and signing when appropriate.

Josh Price LOMA 0 Comment(s) read more

30 Jun

What is a FEMA Letter of Map Amendment (LOMA)?

So, you decided to purchase or refinance a home and it turns out that it’s in a FEMA-designated Special Flood Hazard Area (SFHA) and your lender says, “you have two options, get flood insurance or a get a LOMA.” Sound familiar?

Although many homes are correctly shown in the SFHA (Special Flood Hazard area or high-risk flood zone), sometimes there’s newer or better information available that wasn’t considered when FEMA established the high-risk flood zone. FEMA uses engineering best practices and standards to delineate its flood zones, but the data is usually only good to +/- 2 feet. That’s why FEMA created the MT-1 process allowing property owners to challenge the zone classification of their home or property by submitting more detailed information.

Josh Price LOMA 0 Comment(s) read more

17 Jun

Where are the Flood Insurance Policies in the US?

Only 390 counties in the US hold about 90% of the National Flood Insurance Program (NFIP) flood insurance policies.

Click here to see a map

To put that in perspective, there are about 3,144 county and county equivalent areas in the US. Therefore, about 12% of the counties hold about 90% of the flood insurance policies. And there are about 169 million people living in those counties, which is 54% of the US population.

Josh Price Flood Insurance 0 Comment(s) read more