Sediment thickness increases can cause floodplains and the water level increases. This has the potential to generate a flood. Using electromagnetic waves, Time Domain Electromagnetic (TDEM) detected resistivity or conductivity contrast of lithology in the subsurface. It is measured in the time domain. TDEM method has been developing for decades. Here we tried to develop a 1-D forward modelling program for central loop configuration in the water environment using the Adaptive Born Forward Mapping (ABFM) method. We simulated this program in several water environment conditions (such as freshwater, brackish water and saline water) to know its response. Preventing natural hazards, especially flood hazards which are caused by the floodplain increases is our motivation in this research. Our simulation shows that Central-Loop Configuration Time-Domain Electromagnetic Method is able for imaging the sediment thickness clearly. The response of this method is extremely sensitive in saline water to depth changing than in other water environments.