Yes, that's accurate for the US.
Regarding towers, there's no problem for a pilot with a Part 107 certificate. The drone can fly up to 400' above a tower as long as the it remains within 400' of the tower. Recreational pilots are not allowed to...
Welcome from the Hampton Roads area of Virginia, USA. We have a Member's Map in the Upper Right of the Title Bar. Click on "Members" and then Click on "Member's Map…" Check it out and you might find some new flying friends...