About this app
What FloodFolio does
Your lender says you must buy flood insurance. FEMA's map says your house sits in a high-risk zone. But your house visibly sits above the street — and if its lowest adjacent grade is at or above the base flood elevation, federal rules let you file a Letter of Map Amendment (LOMA) and remove the mandatory purchase requirement for good. FEMA charges nothing to review it. FloodFolio is the organizer that walks you through the whole thing. Start with the eligibility check. Enter two numbers from your elevation certificate — the lowest adjacent grade and the base flood elevation on your FEMA panel — and FloodFolio shows in plain English whether your structure clears the line, by how much, and whether a LOMA or a LOMR-F is the right path. No jargon, no guessing what LAG and BFE mean. Then build the packet. A LOMA filing needs a recorded deed, a plat or property description, and your elevation certificate. The document binder keeps a photographed copy of each, flags what is still missing, and holds everything in one place for the day FEMA or your lender asks. The MT-EZ walkthrough takes FEMA's application form section by section, with field-by-field explanations written for homeowners, not surveyors. Once the packet goes in, the case timeline tracks FEMA's roughly 60-day review clock, so week nine of silence becomes a milestone list you can act on instead of a mystery. And because approval is not the finish line, FloodFolio carries you through the part most people fumble: getting the determination letter to your lender, stopping the escrow charge, and keeping a paper trail of every bill and refund so the savings actually land. The savings calculator shows what a successful amendment is worth over one, five, and ten years against what you pay today. FloodFolio is fully offline. Your deed, your elevations, and your lender letters never leave your phone. No account, no login, nothing on a server. • Instant LAG vs BFE eligibility check in plain English • Savings calculator based on your real yearly flood insurance bill • Document binder for deed, plat, elevation certificate, and photos • Section-by-section MT-EZ walkthrough with field help • 60-day FEMA review timeline with milestones and next actions • Lender follow-through: letter templates, escrow stop, refund trail • Multi-property support for landlords and second homes • Offline and private — no account required
Features
Built to be useful, not noisy.
Eligibility Check
Enter the lowest adjacent grade and base flood elevation from your elevation certificate and FEMA panel; FloodFolio instantly shows whether the structure clears the BFE, by how many feet, and whether a LOMA or LOMR-F is the right instrument — with every term explained in homeowner English.
Document Binder
A category-organized binder for the exact LOMA packet — recorded deed, plat or property description, elevation certificate, house photos, lender letters, FEMA correspondence — with missing-document flags and camera capture.
MT-EZ Walkthrough
FEMA's MT-EZ application broken into sections with field-by-field explanations, progress tracking, and your answers saved so you can transcribe them into the Online LOMC portal or the paper form in one sitting.
Case Timeline
A milestone tracker for the whole journey — order EC, confirm eligibility, assemble packet, submit, FEMA's ~60-day review clock, determination letter, lender notification, escrow stop, refund — with a countdown ring and a clear next action at every stage.
Savings & Lender Kit
A savings calculator projecting 1/5/10-year value of removing the insurance requirement against what you pay today, plus lender letter templates and a payment/refund ledger that documents the escrow actually stopping.
Properties
Track more than one structure — home, rental, second home — each with its own zone, panel, elevations, documents, and case timeline.
Why it exists
The problem
Homeowners mapped into a flood zone pay an average $926/yr (often far more) even when their home's elevation qualifies them for a free FEMA Letter of Map Amendment, because the process — elevation certificate, LAG vs BFE comparison, deed, plat, MT-EZ form, 60-day review, lender follow-through — is so opaque that most…
What's different
How FloodFolio stands out
FEMA's free Online LOMC portal is a filing inbox, not a guide — it never tells you whether your LAG clears the BFE, which documents are missing, or what to do when the lender keeps billing after approval; eLOMA is restricted to licensed professionals. MassiveCert, SecondLookFlood, and OnlineLOMC charge $500-$2,000 for…
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FAQ
Questions about FloodFolio
How much does FloodFolio cost?▾
FloodFolio is free. All features are included from day one — no subscription, no in-app purchases, no paid tiers. Everything you see in this listing works the moment you install it.
Where does FloodFolio store my data?▾
On your device. FloodFolio is built privacy-first: no account is required, no analytics SDKs, no third-party trackers. Nothing is uploaded to a server we control — the app works without one.
What platforms does FloodFolio support?▾
iOS, on iPhone and iPad. You can find the latest availability on this page.
How do I get support for FloodFolio?▾
Use the Support link on this page, or email support@allthingsn.com. We answer every message and keep responses on the same thread.
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