Get a local Civil Engineer to fill out your LOMA form. The LOMA doesn't necessarily change the border (that would be a Letter or Map Revision -LOMR) The LOMA just says that the lowest adjacent grade to the structure will be higher than the 100 yr flood elevation. Unfortunately in a Zone A, the flood elevation may not be determined. That's where you need the engineer to determine it and then fill out the form.
http://www.fema.gov/plan/prevent/fhm/dl_mt-1.shtm#1

Dh went through the LOMA process on a house he was building (successfully). It take MONTHS.

Right before the closing on our house (I mean RIGHT before, they called my cell as we were driving to the closing) our bank said it wanted flood insurance. We abut a pond, but the house is well above the high water mark (pond controlled by a dam, if the dam breaks the water level would drop since we are above the dam not below it). I had to pay a civil engineer $250 to come out and basically say the house was outside the flood zone. Bank let us close without flood insurance. I think it delayed us by 3 days.

Good luck.

Seems rktman is right on the ball. The BFE isn't known so the surveyor has to apply for it through the DNR. Once that's had, they fill out the LOMA and MT-EZ forms and apply for letter of exclusion from FEMA.

Since I now understand it a little better looks like we'll be out about $1K in fees and flood insurance in the interim since we're basically having to prove common sense. This is all very frustrating since the guy 3 cubes over is the keeper of GIS maps (I work for the Army Corps of engineers although I'm not a civil) which determine the FIRM's. I know what the BFE is but have to get it documented through the channels to make things work. I could understand if it was close but there's easily a 30 foot margin above the BFE+2ft.

Thanks for you inputs. I love this site.

YOu should be able to hire a surveyor to survey the property, show the elevations of the home site and finished floor, and it should reference the FIRM base flood elevation if you have it mapped in your area. The FEMA flood elevation certificate if you show to your insurance that the finished floor is not in the 100 year flood plain and you should be fine.........

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