Commissioner says Lake of the Ozarks residents incorrectly getting letters stating they need flood insurance

CAMDENTON, Mo. -- "They have 45 days to either rectify the situation, or flood insurance will be attached."

That's what Camden County Presiding Commissioner Greg Hasty claims a letter being sent to property owners around the Lake of the Ozarks is saying. Hasty says a good number of the people receiving these letters are not in the flood zone.

"Because of the poor quality of the mapping that was done, instead of showing these homes being further out of a flood zone, the horizontal location they showed on the map actually runs through a lot of structures which were never in jeopardy of flooding at all," Hasty said.

So, what should property owners do if they get this letter? Hasty says unfortunately, there isn't much of a choice.

"If you're in a situation where a LOMA was not done before, no elevation was done before, and you have a loan on your property, there's a likelihood that you're going to receive one of these letters," Hasty said. At that point in time, until we can see if we can get a resolution to the maps, you're going to have no alternative but to have a surveyor go out and prove that you're not within a special flood hazard area."

Hasty says he's written a letter to state Attorney General Josh Hawley, U.S. Senator Roy Blunt, and U.S. Representative Blaine Luetkemeyer for help getting this issue fixed.

Important to note, Hasty said if you weren’t in a floodplain before, Hasty says you almost definitely are not in one now.

If you’ve received a letter from your lender saying you need to buy flood insurance, but your property has had a Letter of Map Change (LOMA) done, you just need to provide that to your lender.