H i TV
To be safe I woould wait until the water recedes some. No amount of gold is worth a life. If you can safely get into the water around boulders and such use a suction tube or other suction device to clean the gravel out around the boulders. You can find plans to build them on the web or you can buy one already made from a prospecting supplier. You will never be able to dig in moving water and get very deep. The material will just keep filling in behind you. I'm pretty sure what you are finding is glacial gold. I'm not aware of any load mining done in TN. It will be mostly flour gold. Good Luck.
B H Prospector