King is pretty much dead wrong on this topic. Teslag isn't doing a great job explaining his points (even though King is ignoring factual statements).
#1 FEMA flood zones were created in the mid 1970's. They're not always correct or updated often enough based on real time data. For instance, HCFCD is updating the FEMA maps from 2017 Harvey, they're STILL not complete and this is with massive amounts of dollars being sent their way.
So this brings up issue A: when structures existed before the FEMA floodmaps were created, what happens to them? They're grandfathered in because for them to be removed the federal government has to pay fair market value for the structures and the land. This is cost prohibitive and in Harris County entire segments of homes (Banana Bend) took years to buy out and demo and these were built IN the floodway. Current regs prohibit construct IN the floodway.
#2, Kern is a rural county, so the amount of $$$ they have to spend on emergency management and prep is going to be smaller. If the state failed, that's an entirely different argument.
#3, the FEMA maps are based on the topography of the flood basin (or watershed) that collects rainfall where it drains down into whatever channel system exists. All FEMA maps are based on riverine flooding, so all the water flows downhill, basic concept.
Where things get difficult is the weather system prediction software can predict rain, but the Where and Intensity is very difficult. If it's raining harder over a short amount of time AND the basin that's collecting the rainfall is steep, the VELOCITY of that water rushing down into the channel is very difficult to predict. Downstream flooding where 1 or more basins drain into a single channel can complicate matters.
So the question is what is the 100year flood plain? That's a 1% chance the area within the floodplain will flood each year. It could happen 3 years in a row, but the probability are low. However if it does then it's possible the floodway needs to expand or the 100 year floodzone needs to be expanded. This would impact insurance rates, building standards and what permits may be issued.
This all becomes more complicated if a lot of construction in the basin is being done where increased impervious surfaces are being created which increases runoff because the land cannot detain rainwater.
Does human error come into play? Yes. During Harvey the Army Corps of Engineers opened the Addicts Dam floodgate around 1am and didn't alert enough people which caused mass flooding. Did the city manager totally screw up? It's quite possible enough people weren't paying attention. Esp if they're visitors and aren't aware of the danger they may be in. The owner of the camp, and any permanent staff, should have been monitoring the situation.