With the free Water plugin of the Unreal engine, you can create oceans, rivers, islands, lakes and keep the meshes on the water surface by using buoyancy.
https://dev.epicgames.com/community/learning/tutorials/LpqB/unreal-engine-water-ocean-river-lake-island-creation-let-s-test-the-buoyancy-by-adding-a-boat-subtitle
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