Simplify the following text for a Grade 9 native English-speaking person.
Original: Floods can also occur in rivers , when the strength of the river is so high it flows out of the river channel , particularly at bends or meanders and causes damage to homes and businesses along such rivers .
Simplified: Floods can also occur in rivers , when flow exceeds the capacity of the river channel , particularly at bends or meanders . Floods often cause damage to homes and businesses if they are placed in natural flood plains of rivers .