What is the process and outcome of the LODR on the lender’s determination?

The LODR does not result in an amendment or revision to the NFIP map. It only upholds or overturns the lender’s determination. The LODR remains in effect until the NFIP map panel affecting the subject building or manufactured home is revised. The LODR process does not consider the elevation of the structure above the flood level. It considers only the location of the structure relative to the SFHA shown on the effective FIRM. FEMA confirms the location of the structure on the FIRM by examining the data source used by the lender to make the determination.

A fee must be submitted with all LODR requests. The fee payment may be in the form of a check or money order, in U.S. dollars, made payable to the “National Flood Insurance Program.”