Camden County Commissioners have adopted a flood plain management ordinance that shows waterfront property along the Niangua Arm is part of the flood area in Camden County. State and Federal Emergency Management Agencies drafted new maps to replace flood plain maps from 1993. Now, to develop lakefront property, comply with regulations and be eligible for the national flood insurance program, property owners on the lakefront will need a FEMA letter of map amendment that officially removes their land from the flood plain designation. Presiding Commissioner Kris Franken says that process costs 600-800 dollars. Critics of the maps say they’re not accurate and create a financial burden for property owners, but if the county did not adopt the ordinance, a lack of flood plain insurance would tie up real estate loans. Property owners who already have a Letter of Map Amendment are exempt. Lake of the Ozarks property owners in Miller, Morgan and Benton counties can look forward to the same situation.