No quick answers, but we are in the same boat.
Fell in love with a place right on the bank of a tidal river, in one of Ernie's favorite river valleys
We are just above the mapped tsunami zone, and the house is on a raised raprock platform, but rain flooding still overtops the road and saturates the back gardens of us and all our neighbors. Salt is an issue, usually about 4 feet down and mild brackish, but could get worse with sea level rise. We're on the Pacific coast, so king tides here can get impressive.
What they did in nearby valleys for homestead days was always assign strips of valley floodplain land with a chunk of the wooded hills alongside. Can graze
cattle on the rich bottom lands in summer, then move them up on sheltered high ground in winter.They even made laws against selling off bottomlands at certain times of year after a lot of out-of-state buyers got duped. One couple built a house and then spent a lot of money raising it on higher and higher foundations - it's now at about 12ft of block under the original house.
Pre-European settlement, there were tribal villages right on the rich coastal inlets, often with a sheltering hill nearby... There are shell middens being washed into the sea. I don't know as much about seasonal practices here as further north, but I gather the tribes had trade routes and fisheries that have continued into the present, and traditionally used a lot of the forest and swamp species for crafting and building materials. Smoked salmon, herring, and tuna are a big thing here.
Most of the world lives near waterways, one way and another, because it's such a rich set of edges. Access to transportation, fertile soils, easy trade inland and across the water, abundant wildlife and variety of diets. Coastal areas end up with cultures of social competition and status (potlatch culture, political alliances, sometimes feuds and raiding) partly because it's so easy to
feed a big population. The inevitable disruptions of storm, tsunami, flood, rival economic movements may not be preventable, but the resources are there for the survivors to recover and rebuild without starving to death.
Mild coastal and river-valley areas seem to end up with cultures of seize -the-next-opportunity, lots of creativity and coalitions of cultural authority.
Politics and charm are key skill for success. Harsh areas may end up a bit more authoritarian, work-hard-play-hard. By contrast inland areas, deserts, frozen lands, and marginal highlands often end up with deeper laws of sacred hospitality and "honor cultures," where disrespect is a big deal (because someone damaging your stuff or raiding your herds, or losing your status in a survival alliance, can make the difference between survival and starvation). That was the theory, anyway. Not necessarily relevant to your original questions, except that there are a LOT of people and communities in flood-prone areas, and a LOT of politics and technology around what are accepted private property rights and public interest rules and restrictions and infrastructure investments for land use, pollution, flood prevention, drainage alterations, etc.
At the county and municipal scale, there are often plans for flood mitigation including levies and zoning laws. Some areas have specific rules about building in certain zones, or keeping crap out of waterways.
There are resources (on the FEMA website and via insurance websites) for how to build flood-ready homes. Stilts are one option.
Having a lower story that is block or
concrete, and easily cleaned out after a flood, is another. They make rubbery floor "boards" that can be laid without glue, and can be rinsed and re-laid after a flood cleanout.
For places whose lower story is already too low, like cellars, sometimes these are vented and filled with gravel or stone, with screened gaps. The higher floor becomes the "ground" floor.
Often they are designed with screened gaps to let the flood waters in, but loose-filled with gravel or rock to minimize currents. Trying to pump out a submerged basement or lower floor results in a lot of lateral pressure on the sides and underneath.Basically the house tries to float, and it's not very good at it, so walls often shift and crack and get racked so doors and windows don't fit their frames well afterwards.
There are things like tide gates and coastal engineering. They take a lot of permissions these days, at least in the western USA.
Be very careful about bringing in fill, because it can have unwanted consequences. Most flood plains along rivers have defined areas for overspill. Think about the areas next to the main river channel that always flood first. If you take up that volume with fill, the waters can be forced to rise higher and/or flow faster through the remaining river channels, causing worse erosion, or into new areas such as behind levies. A spur of sandbags or raised beds could even cause worse erosion just downstream from the eddies. If your land "improvements" causes damage to someone else's property, you could be legally and financially responsible.
Think of the flooding as an asset to work with. All that muck is also nutrition. Flooding valleys and estuaries are rich zones for aquatic and riparian life, and for seasonal grazing and farming. The Nile valley has lost some of its historic farm richness since they started flood control.
There's some great TED talks about shrimp farming and estuarine restoration in Portugal.
There are also some cool resources on tradition peasant rights in the fens of England and Scotland before the enclosures. Swamps can traditionally provide reeds, canes, and shoots for thatch and wattle-building, nuts and berries, crops like wild rice and cattails and other cereals, edible
roots and shoots, grazing and forage for livestock and pigs, hunting grounds for migratory birds, game, and fishing.
A lot of those are legally restricted now, but wild bird hunters used to feed a lot of New York from the surrounding wetlands back in the day.
Ducks are still legal to hunt in season, and raising domestic ducks can be fun and fits into permaculture models for bug/slug removal. Many wet areas in the US have traditional wild foods like wapato,
mushrooms, wild rice and other sedges, cattails, some rushes, arrowroot, skunk cabbage, berries like cranberry and blueberry, edible snails and molluscs, fish, frogs, even alligator is a fairly choice meat. Many of these are/were abundant staples or
local delicacies for the pre-industrial larder. The more well-known ones can be significant cash crops, especially those with choice flavors and super-food nutrition. We probably have not even discovered all the biodiversity and edible/medicinal species in our wetlands. Draining those swamps to grow common crops, especially stuff that is easier and cheaper to grow broadacre on existing drained farmland, can be kind of a waste of potential.
When we personally chose to buy floodplain land, it was mostly because it was too beautiful to resist. This valley is locally known for more sunny days and better gardening conditions (rich silty soil), compared to the coastal fog bank, steep forested hills, or sandy recovered dune areas nearby. We accepted that it might wash away or get salt-killed some day, leaving us to attempt shrimp farming in the ruins, but we hope it doesn't anytime soon. So far we have more thriving young trees than there is really room for. The previous owners planted 20+ fruit trees about 7 years ago, and only one has died from possible salt. We prune regularly to reduce the likelihood of blight. And rub buds off to avoid the need for future pruning wounds.
We made up our minds that the beauty and richness are worth the inconveniences. Working on a backup plan for where to go when nature does its thing - there are options. As anywhere with natural disaster potential, we have friends in different elevations and risk zones where we can be each other's backup plan. A lot of the neighbors are ex-commercial fishermen and recreational boaters who work together when the water rises.
If you are looking into land or improvements, talk to neighbors about historic floods. Work with soil and water conservation groups and watershed authorities to understand what's legal and wise in your area.
Living in a floodplain (or on an island of raised ground near one) is being a custodian of the arterial walls of Nature's lifeblood. Don't be atherosclerosis.