All I know is that three years ago when I tore down my Jim Walter cabin and built a new house, I took out a cash out mortgage to fund the construction. That mortgage triggered a question about the “flood plain” that is/ was the entire lake by fema. I was required to get an exemption from the declared flood plain 491.5 level or take out flood insurance at a cost several thousands dollars. Exemptions require a elevation certificate ($500) and application to fema which required 90 days. So construction was placed on whole until I received the exemption.
After construction enters Elmore County Transportation Dept (for the state water agency, ADECA) asking for a new elevation certificate on the new house. I invited them to show me the legal requirement since I had one and the new house sits where the old one sat. They sent a rep out and took pictures and dropped the issue.
Just had a new pier built and the power company was great to deal with on the permit. Of course the pier goes out about 40 feet and not 90 feet. I’m sure my neighbors would have something to say about a 90 foot pier.