at Ha Ha Tonka State Park
Although one of the park's popular day-use areas sits adjacent to Lake of the Ozarks on the Niangua arm, there is not a designated swimming area. Near Lake Shelter, a low seawall and steps leading into the lake are used by those wanting to fish and enter the water. This area is not buoyed, nor is a lifeguard on duty at any time of the year. Enter the water at your own risk, knowing that this cove has extensive boating use and that the temperature of the water is very cold due to the proximity of Ha Ha Tonka Spring.