I have been dealing with folks for the past 25 years on issues regarding use of their own property. I am still in amazement that they have never taken the time to read their title documents about flooding, utility easements, o right of ways, etc.
I have always counseled my friends and family to review or let me help them review any property purchases they maybe considering before they find out what they want to do may not be as easy as they thought or not even possible to begin with.
We lived in Pt Jervis, NY, It’s at the confluence of the Delaware and Neversink Rivers (I swear that’s the name, from Algonquin, meaning, at times quite appropriately, “mad river”) so the whole town is considered a flood zone. Houses are relatively cheap compared to the rest of Orange Cty, but good luck getting flood insurance. Even though the rivers were dredged a few years ago, all it takes is higher than avg. snowfall, and a mild rainy spring and all that rain and melting snow from the Catskills got to go somewhere.