For insurance rating purposes, according to FEMA, the revised panels must be used for all new policies and renewals. However, as a condition of continued eligibility in the National Flood Insurance Program (NFIP), Camden County must “adopt or show evidence of adoption of floodplain management regulations” that meet NFIP standards and regulations prior to April 18, 2018.

The revised flood plain maps for Lake of the Ozarks are scheduled to become law on April 18, 2018 after no valid appeals were filed during the 90-period that concluded in early June, according to a Federal Emergency Management Agency (FEMA) Letter of Final Determination.
Last February, FEMA published the proposed modified flood elevation determinations affecting the Flood Insurance Rate Map (FIRM) and Flood Insurance Study (FIS) for incorporated areas of Camden County. The three month appeal period began in March 2017 when the proposed Base Flood Elevations were published in a legal notice in the Lake Sun.
Camden County Flood Plain Administrator Kim Willey received a copy of the letter earlier this week and provided a copy to the Lake Sun.
“FEMA received no valid requests for changes in the BFEs. Therefore, the determination of the Agency as to the BFEs for your community is considered final,” according to the letter. “The modified BFEs and revised map panels are effective as of April 18, 2018, and revise the FIRMs that were in effect prior to that date.”
For insurance rating purposes, according to FEMA, the revised panels must be used for all new policies and renewals. However, as a condition of continued eligibility in the National Flood Insurance Program (NFIP), Camden County must “adopt or show evidence of adoption of floodplain management regulations” that meet NFIP standards and regulations prior to April 18, 2018.
“Because of the modifications to the FIRM and FIS report for your community made by this map revision, certain additional requirements must be met under Section 1361 of the 1968 Act, as amended, within 6 months from the date of this letter,” FEMA stated.
According to the letter, some of the standards have already been enacted by Camden County and additional requirements can be met by taking of the following actions:
— Amending existing regulations to incorporate any additional requirements of Paragraph 60.3(d);
— Adopting all of the standards of Paragraph 60.3(d) into one new, comprehensive set of regulations;
— Or showing evidence that regulations have previously been adopted that meet or exceed the minimum requirements of Paragraph 60.3(d).

Camden County Presiding Commissioner Greg Hasty said this simply amounts to adopting the new policy which will be written with technical assistance from a Missouri State Emergency Management Agency and then signed by the Commission.
Hasty said the changes will effect 3,840 parcels being removed from the flood plain map, which he said will save approximately $3.5-million per year in annual insurance premiums.
Communities that fail to adopt required floodplain management regulations can be suspended from the NFIP program and subject to prohibitions. Camden County has also been assigned a Consultation Coordinator Officer to assist in enacting the proper regulations, while acting as a liaison with FEMA.

BACKGROUND:
More than two years ago, the FEMA Region VII Office in Kansas City undertook a review of 2011-era FIRMs for the area utilizing a new method of hydrologic analysis approved by the U.S. Geological Survey in 2014. FIRM stands for Flood Insurance Rate Map.
According to officials, the areas in Camden County that are most affected by the revised maps include portions of the Big Niangua, Little Niangua and Linn Creek. Nine panels in Camden County were updated, while two each were updated in Morgan and Miller counties.
During a preliminary review of the proposed revised FIRMs in June 2016, the overall outcome of the review appeared to be good news with the amount of high hazard flood area generally less than the current area due to the base flood elevation (BFE) along some of the main tributaries of the Lake of the Ozarks being lowered.
With the new methodology, estimated flood flow was reduced dramatically - some by as much as half, according to FEMA Region VII Risk Analysis Branch Chief Rich Leonard - on the Niangua River, Little Niangua and Grand Glaize. That in turn impacted the hydraulic analysis used to set the BFE.
Hydraulic analyses take into account flood flow combined with the topography or geometry of the stream channel at various cross sections.
For the Niangua River, the BFE would be lowered as much as four to five feet. Linn Creek and Gravois Creek were two areas where the flood flow estimates actually increased, thereby raising the proposed BFE. For Linn Creek the difference amounted to approximately half of a foot, while Gravois Creek would see a range from just under a foot in places up to four feet higher further upstream.