We are from Independence, you must be close. We enjoy state parks and Corp of Engineer Parks.
Holly bayKendallTwin KnobsNatural BridgeGeneral ButlerVersailles State Park INThese are a few of our favorites with Versailles and General Butler being about 50 minutes away. They both have lakes but sites arent really on the water. I guess a couple at Butler are but not many.
Feel free to PM me and I will let you know others we like since you are so close.
All the other campgrounds I listed above are on the water, whether it be a stream or lake or river