<h1>Flood map amendments loosen oversight, enabling development in high-risk floodplain with reduced insurance and regulation.</h1> FEMA granted appeals removing multiple Camp Mystic buildings from the Special Flood Hazard Area on National Flood Insurance maps in 2013, 2019 and 2020, reducing insurance and regulatory requirements for those structures. Independent modeling and analysis indicate many of the exempted buildings remained within or adjacent to areas with a 1% annual flood risk, and critics say the appeals process-reliant on detailed technical studies-is often successful and may favor well resourced applicants, affecting local floodplain oversight and development incentives.