Recurrent flooding along the Wabi Shabelle River has repeatedly displaced communities in Beledweyne, Somalia, prompting a 2020 government-led relocation policy intended to reduce long-term flood risk exposure. Whether such resettlement constitutes a durable change-detection method disaster risk reduction strategy in semi-arid East Africa remains empirically untested. We integrate ten years of Sentinel-1 SAR (259 scenes, 2015–2025), three global DEMs (Copernicus GLO-30, FABDEM, SRTM), CHIRPS precipitation, and BFAST changepoint analysis to map flood frequency at 10 m resolution. The Z-score showed the strongest coupling with 12-day cumulative precipitation (Pearson r = +0.338; block-bootstrap 95% CI [+0.13, +0.49], excluding zero) and strong agreement with the log-ratio method (r = +0.676), whereas the conventional fixed −17 dB threshold produced a physically implausible negative correlation (r = −0.248). These conclusions were stable across alternative thresholds. HAND from all three DEMs was positively associated with flood frequency (Spearman ρ ≈ +0.30); GLO-30 and FABDEM were near-equivalent in this low-relief setting (median pairwise difference, 0.13 m). BFAST detected 476,955 changepoints (49.9% post-2020 vs. 35.6% pre-2020), concentrated in high-flood-frequency pixels (Kolmogorov–Smirnov D = 0.854, p < 0.001). The mean flooded area fraction rose from 4.68% to 5.61%, a relative increase of +19.8% (95% CI 9.1–32.0); this remained significant after controlling for precipitation (+0.96 pp, p < 0.001) and excluding the extreme 2023 events (+0.81 pp). Because standard optical and multi-year surface water products are unsuitable for pixel-level validation in this turbid seasonal river, we demonstrate that SAR flood frequency is significantly higher within independently mapped JRC water corridors (median, 0.070 vs. 0.042; p < 0.001). These convergent lines of evidence are consistent with re-encroachment into hazardous floodplains, suggesting that structural relocation alone is unlikely to deliver durable flood risk reduction without parallel investment in tenure security, livelihoods, and inclusive governance (SDGs 11.5, 13.1). The reproducible, open-source SAR framework provides a transferable monitoring template for data-sparse Horn of Africa floodplains.