We have a similar situation in the Puget Sound region of Washington State.  These rules are all about endangered salmon, we have a several pathways to compliance if communities want to be enrolled in the NFIP.   So far my experiences with the FEMA BiOp here have been more paperwork burdens rather than substantially greater restrictions on top of our existing Critical Areas Ordinances.  Of course paperwork can be very expensive to individuals and small businesses and whose limited funds would be better used as capital investment in their homes or businesses rather than paying consultants to write reports.