So I decided to play the Maori, and wanted to find a good starting spot. I find a nice plains hill next to a river, with lots of floodplains so it will good for food. The problem was, I have disasters set to 4 and it took me 10 turns to find this spot. so when I used all my movement points to get to the hill, but can't move on to it I had to end turn! and lo and behold the river floods... Killing my settler.... after I watch the cut scene of the river flooding. Bang Game Over. I did not realize floods could kill civilian units. Is this a Bug or intended? I guess I will settle a little faster next time.