This paper presents a novel methodology to generate Digital Elevation Models (DEMs) in flat areas, incorporating river channels from relatively coarse initial data. The technique primarily utilizes filtered dense point clouds derived from SfM-MVS (Structure from Motion-Multi-View Stereo) photogrammetry of available crewed aerial imagery datasets. The methodology operates under the assumption that the aerial survey was carried out during low-flow or drought conditions so that the dry (or almost dry) riverbed is detected, although in an imprecise way. Direct interpolation of the detected elevation points yields unacceptable river channel bottom profiles (often exhibiting unrealistic artifacts) and even distorts the floodplain. In our Fluvial Domain Method, channel bottoms are represented like “highways”, perhaps overlooking their (unknown) detailed morphology but gaining in general topographic consistency. For instance, we observed an 11.7% discrepancy in the river channel long profile (with respect to the measured cross-sections) and a 0.38 m RMSE in the floodplain (with respect to the GNSS-RTK measurements). Unlike conventional methods that utilize active sensors (satellite and airborne LiDAR) or classic topographic surveys—each with precision, cost, or labor limitations—the proposed approach offers a more accessible, cost-effective, and flexible solution that is particularly well suited to cases with scarce base information and financial resources. However, the method’s performance is inherently limited by the quality of input data and the simplification of complex channel morphologies; it is most suitable for cases where high-resolution geomorphological detail is not critical or where direct data acquisition is not feasible. The resulting DEM, incorporating a generalized channel representation, is well suited for flood hazard modeling. A case study of the Ranchería river delta in the Northern Colombian Caribbean demonstrates the methodology.