Well, when I said "afraid" it was more of a figure of speech, and I did say "even on a small scale" putting it in perspective I thought. I think too much, and compulsively plan out far into the future. I do risk analysis and assessments on just about everything.
I grew up in S.E. Washington State. A few years in the Horse Heaven Hills, and even though there were no rivers close buy, the spring rains and quick melting of the snow washed out the roads each year I lived there. We were stranded for at least a week each time until road crews could repair and/or replace the washed out sections. When I say washed out, I mean 10-30 foot deep chasm through the road, across the bottom of the gullies.
I love water, the sound of water, etc... If anything, I'm jealous of those with water on or near their properties. Your property looks beautiful and peaceful.