I suppose you could play with the 0 setting but that seems extreme for me.
The thing is setting 0 does not mean 0... it is deemed REALISM_SETTING_MINIMAL which means for example
only 45% of volcanoes can be active at once.
With floods at least moderate floods do not affect units I guess but Major floods still happen giving all units 30-50HP damage
FLOOD_MODERATE" DamageType="IMPROVEMENT_PILLAGED" Percentage="100"
FLOOD_MODERATE" DamageType="BUILDING_PILLAGED" Percentage="100"
FLOOD_MAJOR" DamageType="IMPROVEMENT_DESTROYED" Percentage="50"
FLOOD_MAJOR" DamageType="IMPROVEMENT_PILLAGED" Percentage="100"
FLOOD_MAJOR" DamageType="DISTRICT_PILLAGED" Percentage="50"
FLOOD_MAJOR" DamageType="BUILDING_PILLAGED" Percentage="100"
FLOOD_MAJOR" DamageType="POPULATION_LOSS" Percentage="15"
FLOOD_MAJOR" DamageType="UNIT_KILLED_CIVILIAN" Percentage="15"
FLOOD_MAJOR" DamageType="UNIT_DAMAGE_LAND" Percentage="100" MinHP="30" MaxHP="50"
FLOOD_MAJOR" DamageType="CITY_GARRISON" Percentage="100" MinHP="30" MaxHP="50"
FLOOD_MAJOR" DamageType="CITY_WALLS" Percentage="100" MinHP="30" MaxHP="50"
FLOOD_1000_YEAR" DamageType="IMPROVEMENT_DESTROYED" Percentage="80"
FLOOD_1000_YEAR" DamageType="IMPROVEMENT_PILLAGED" Percentage="100"
FLOOD_1000_YEAR" DamageType="DISTRICT_PILLAGED" Percentage="80"
FLOOD_1000_YEAR" DamageType="BUILDING_PILLAGED" Percentage="100"
FLOOD_1000_YEAR" DamageType="POPULATION_LOSS" Percentage="25"
FLOOD_1000_YEAR" DamageType="UNIT_KILLED_CIVILIAN" Percentage="25"
FLOOD_1000_YEAR" DamageType="UNIT_DAMAGE_LAND" Percentage="100" MinHP="50" MaxHP="70"
FLOOD_1000_YEAR" DamageType="CITY_GARRISON" Percentage="100" MinHP="50" MaxHP="70"
FLOOD_1000_YEAR" DamageType="CITY_WALLS" Percentage="100" MinHP="50" MaxHP="70"
FLOOD_MODERATE - MINIMAL" OccurrencesPerGame="1" , HYPERREAL" OccurrencesPerGame="1.5"
FLOOD_MAJOR" MINIMAL - OccurrencesPerGame=".6" , HYPERREAL" OccurrencesPerGame="2"
FLOOD_1000_YEAR" MINIMAL- OccurrencesPerGame="0" , HYPERREAL" OccurrencesPerGame="3"