Lake of the Ozarks runs through Benton, Camden, Miller, and Morgan counties. Ameren Missouri’s shoreline office manages about 1,150 miles of it. The permit rules do not change when you cross a city limit. The fire district, the arm, and how exposed the dock is do change.
Use a town page for the local hook, then put your cove and mile marker on the quote form. Mile markers are counted upstream from Bagnell Dam. You do not need to be precise to the tenth. “Near 12” is more useful than a town alone.
Lower lake, near the dam
Lake Ozark sits at the dam. Horseshoe Bend is part of that shoreline, not a separate permit system. Osage Beach is the commercial stretch just up the lake, with the Grand Glaize arm off it. The Village of Four Seasons is the residential village between those two, and it has its own dock-electrical requirement on top of Ameren’s permit.
West side and the Gravois
Sunrise Beach is where the Gravois Arm meets the main lake. Laurie and Gravois Mills sit farther up that arm. The arm-wide placement rules are on the Gravois page.
Mid-lake
Camdenton is the Camden County seat, inland from the water. Owners with a Camdenton address often hold shoreline on the Niangua or a mid-lake cove. Use the town that matches the house, and name the arm in the form. The Niangua and Osage pages cover those channels.
The permit is still Ameren’s
Whichever town is on the mailbox, a new dock or a modification is still Ameren’s $550 permit, and a sale is still a $100 transfer. Which fire district inspects the dock depends on the shoreline, not the post office. The districts Ameren names for the 12-month sale inspection are listed in the buying guide.