With this uncertainty, why not modify the summer camp business model to reduce financial risk, e.g., a rustic, patrol method camp (like a state park) .
Minimum staff - just camp director and lifeguards. Better yet have troops provide water safety plan with their own lifeguards.
Mess hall closed. Patrol cooking.
No camp store, no nurse.
Troop does its own program. Interactions, e.g. competitions, campfires with other troops lead by SPL's.
Flexible schedule. Troop can register campsite for weekend, 4 days, whatever.
My $0.02,