PALM BEACH COUNTY · SOUTH FLORIDA

Palm Beach County Flood Zone Removal & LOMA Filing Service

If your Palm Beach County home is designated in a the national flood mapping program Special Flood Hazard Area, you may be paying $2,000–$6,000 per year in flood insurance premiums that are completely unnecessary. Through a Letter of Map Amendment (LOMA), we can officially remove your property from the flood zone — and you pay us nothing until we succeed.

Serving Boca Raton, Delray Beach, Boynton Beach, West Palm Beach, Lake Worth, Wellington, Palm Beach Gardens, Jupiter, and all of Palm Beach County.

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$2,000–$6,000
avg. annual savings per property
30–60 Days
typical Map amendment processing time
$0 Upfront
pay only when you win
Permanent
LOMA stays with the property forever

Why So Many Palm Beach County Properties Are in the Wrong Flood Zone

Palm Beach County’s flood maps were largely drawn by the national flood mapping program decades ago — before the South Florida Water Management District (SFWMD) completed major drainage improvements, before hundreds of residential communities were elevated and graded, and before modern land-fill construction techniques raised finished floor elevations well above the Base Flood Elevation (BFE).

Many properties along the C-51 Canal corridor in West Palm Beach and Lake Worth, the Hillsboro Canal in Boca Raton and Deerfield Beach, and the L-8 Canal system through Boynton Beach are mapped in Flood Zone AE despite sitting well above flood risk. The same is true for hundreds of subdivisions in Wellington, Royal Palm Beach, and The Acreage, where development grading has on an ongoing basis altered the elevation profile of entire neighborhoods.

If your lender requires flood insurance and you haven’t had an elevation certificate reviewed, there’s a strong chance you qualify for removal — and you’re leaving thousands of dollars on the table every year.

Palm Beach County Areas We Serve — Neighborhood by Neighborhood

Boca Raton Flood Zone Removal

East Boca Raton properties near the Intracoastal Waterway, Hillsboro River, and Boca Lake are frequently mapped in Zone AE. Subdivisions including Boca Isles, Palmetto Park, Camino Gardens, Whisper Walk, and communities along Glades Road and Palmetto Park Road (ZIP codes 33428, 33431, 33433, 33434, 33498) commonly qualify. HOAs in Broken Sound, Boca West, and Woodfield Country Club have seen successful community-wide LOMA filings.

Delray Beach Flood Zone Removal

Properties east of I-95 and near the Intracoastal in Delray Beach are often caught in Zone AE designations tied to the C-15 Canal. Neighborhoods including Tropic Isle, Seagate, Pineapple Grove, Delray Shores, and communities near Atlantic Avenue (ZIP codes 33444, 33445, 33446, 33483) frequently qualify. Many Delray Beach homeowners near Lake Ida and Lake Osbourne are eligible and don’t know it.

Boynton Beach Flood Zone Removal

The L-28 and C-16 canal systems run through Boynton Beach, placing many residential areas in AE zones that no longer reflect actual flood risk. Communities in Leisureville, Quail Ridge, Indian Spring, Hunters Run, and along Boynton Beach Boulevard (ZIP codes 33426, 33435, 33436, 33437, 33472) regularly qualify for LOMA removal. The City of Boynton Beach’s drainage upgrades have made thousands of parcels eligible.

West Palm Beach Flood Zone Removal

West Palm Beach has a significant number of AE zone properties tied to the C-51 Canal and Lake Worth Lagoon. Neighborhoods including Northwood, Grandview Heights, Flamingo Park, El Cid, SoSo, and waterfront communities along Flagler Drive (ZIP codes 33401, 33405, 33406, 33407, 33409, 33411, 33412) are prime candidates. Both the older historic districts and newer western suburbs have properties qualifying for removal.

Wellington & Royal Palm Beach

Wellington’s extensive canal system and equestrian communities were built on land that was engineered and graded specifically to sit above flood levels — yet many properties remain on outdated flood maps. Palm Beach Polo, Versailles, Olympia, Wycliffe Golf & Country Club, and residential areas near Forest Hill Boulevard (ZIP codes 33411, 33414) frequently qualify. Royal Palm Beach developments near the C-51 Canal are also highly eligible.

Palm Beach Gardens & Jupiter

Northern Palm Beach County communities near the Loxahatchee River and Intracoastal have AE zone designations that predate modern development. PGA National, Frenchman’s Creek, Admiralty, Mirasol, Abacoa, and properties near the Donald Ross Road corridor (ZIP codes 33410, 33418, 33458, 33469, 33477, 33478) are frequently good candidates. Jupiter Inlet Colony and waterfront homes along the Loxahatchee River should always be reviewed.

Who We Help in Palm Beach County

Single-Family Homeowners
Paying mandatory flood insurance because your mortgage lender requires it? If your home’s lowest floor is above the base flood elevation, you very likely qualify for removal.
HOA & Condo Boards
A community-wide Letter of Map Revision (LOMR) can eliminate flood insurance requirements for every unit in your association — multiplying the savings across all owners simultaneously.
Real Estate Agents & Buyers
Flood zone designation is one of the biggest deal-killers in Palm Beach County real estate. A successful LOMA makes a home more attractive, easier to finance, and more valuable.
Commercial Property Owners
Commercial flood insurance in Palm Beach County can run into the tens of thousands annually. Owners of retail, office, and industrial properties along canals should always request a review.

How Flood Zone Removal Works in Palm Beach County

1
Free Property Assessment
Submit your address. We pull your the national flood mapping program Flood Insurance Rate Map (FIRM) panel, check existing elevation certificates, and tell you whether removal is realistic — at no cost and no obligation.
2
Elevation Certificate & Data
We coordinate any necessary elevation surveys and gather the technical documentation needed to support your LOMA application with the official Mapping Assessment Center (MSC).
3
the national flood mapping program Submission & Follow-Up
We prepare and submit your complete LOMA package directly for federal review. Most Palm Beach County applications receive a determination letter within 30 to 60 days. We follow up at every stage.
4
Insurance Dropped. Savings Begin.
Once your LOMA is issued, we help you notify your lender and insurer. Your mandatory flood insurance requirement is on an ongoing basis lifted. You save year after year — and pay us only after the win.

Palm Beach County Flood Zone FAQ

Is my Boca Raton or Delray Beach home in a flood zone?
Many homes east of the Florida Turnpike in Boca Raton and Delray Beach are designated in the national flood mapping program Flood Zone AE — particularly those within a half mile of canals, the Intracoastal Waterway, or coastal waterways. However, being mapped in a flood zone doesn’t mean your home actually floods or is at risk. It means the official flood map — which may be 20+ years old — puts your lot within a statistical flood boundary. A LOMA assessment determines whether your specific structure qualifies for removal.
How much does flood insurance cost in Palm Beach County?
Under the official current NFIP Risk Rating 2.0 system, Palm Beach County homeowners in Zone AE typically pay between $1,800 and $6,500 per year depending on the property’s elevation relative to the BFE, the structure type, and the flood zone. Properties further below the BFE pay the highest premiums. Private flood insurance rates can be even higher. A successful LOMA eliminates the mandatory requirement entirely — you could drop coverage or carry only voluntary coverage at a much lower rate.
My property is near a canal in West Palm Beach. Does that mean I’m in a flood zone?
Canal proximity is one of the most common reasons a Palm Beach County property gets mapped into Zone AE. However, proximity alone doesn’t mean your structure is at risk. Many homes built along the C-51 Canal, the Lake Worth Drainage District canals, and the South Florida Water Management District canal system were constructed with finished floor elevations significantly above the base flood elevation. These properties frequently qualify for LOMA removal.
Can my HOA or condo association in Palm Beach County get a community-wide LOMA?
Yes — and this is one of the highest-impact moves a Palm Beach County HOA can make. A Letter of Map Revision (LOMR) can remove an entire platted subdivision or condominium complex from the flood zone in a single filing. Large communities like Boca West, Broken Sound, Polo Club, Wycliffe, and similar master-planned HOAs have successfully pursued community-wide map amendments. When successful, every property owner in the community benefits simultaneously.
How long does flood zone removal take in Palm Beach County?
For individual single-lot LOMA applications, the national flood mapping program typically issues a determination letter within 30 to 60 days of receiving a complete submission. Community-wide LOMRs take longer — usually 6 to 18 months depending on complexity and the official current caseload. Once your determination letter is issued, it takes effect immediately. You can contact your insurer and lender right away to have the flood insurance requirement lifted.
What is a LOMA and how is it different from an Elevation Certificate?
An Elevation Certificate (EC) is a document prepared by a licensed surveyor that records your property’s elevation data relative to the Base Flood Elevation. It’s used to calculate flood insurance premiums and to support LOMA applications. A LOMA — Letter of Map Amendment — is the official official map determination that removes your property from the flood zone. The EC is the evidence; the LOMA is the outcome. Having an EC alone doesn’t remove you from the flood zone — you need the LOMA for that.
If I sell my Palm Beach County home, does the LOMA transfer to the new owner?
Yes. A LOMA is attached to the property, not the owner. When you sell your home, the new buyer inherits the flood zone removal on an ongoing basis — making your property significantly more attractive to buyers and easier to finance. A property with an active LOMA is worth more than a comparable property still designated in a flood zone, because the new owner avoids the mandatory insurance requirement from day one.

All Palm Beach County Communities We Serve

Boca Raton • Delray Beach • Boynton Beach • West Palm Beach • Lake Worth Beach • Wellington • Royal Palm Beach • Palm Beach Gardens • Jupiter • Tequesta • North Palm Beach • Lake Park • Palm Beach • Palm Beach Shores • South Palm Beach • Highland Beach • Lantana • Manalapan • Ocean Ridge • Greenacres • Palm Springs • Atlantis • Glen Ridge • Cloud Lake • Haverhill • Loxahatchee • The Acreage • Westlake • Mangonia Park • Riviera Beach • Singer Island • Juno Beach • Jupiter Inlet Colony • Palm Beach Country Estates • Belle Glade • Pahokee • South Bay • Clewiston • Okeechobee (boundary area)

Stop Overpaying for Flood Insurance in Palm Beach County

Free property review. Zero upfront cost. You only pay when the national flood mapping program removes your property.

Serving all of Palm Beach County — Boca Raton to Jupiter, Wellington to the coast.

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