posted 3 years ago
I'd think you'd definitely want to build your impervious stem wall/finished floor level well above any possible flood! Unstabilized cob subjected to saturation will not bear load. If the base of the wall gets wet, the wall is definitely going to fall down.
You might also look into various stabilizers. Road engineers think about this a lot because of course roads are out in all weathers but have to support the weight of heavy vehicles. Your local road crews might have a lot of good ideas. Usual stabilizers are lime, maybe lime + waterglass, some portion of cement, or "enzymes" (about which I would like to know a whole lot more, so tell me what you find!).
But if I were building in a flood plain, much as I love cob, I don't think I would do it. I think I would sink piers and build a lighter-weight house raised well up off the ground. This is what I did with my own timber-frame cabin here in Vermont -- the slope here prevents it being an actual floodplain, but the water table is permanently at 18" (0.5 m) and I didn't want to try to deal with building a heavy-duty load-bearing foundation in a swamp. If you have access to wood, I'd sink piers and frame the house, then wattle-and daub or straw-clay between to keep the weight reasonable. You can't raise cob on piers of course; it's way too heavy for that sort of point-loading. The advantages of piers over a high stem wall are 1) price, and 2) if that flood water needs to move, it can do so without pushing on your foundation as much.
But either way would work. Just make sure you don't underestimate how deep that water may someday get!