Campground Visit last weekend
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I'm not camping this trip but if I were I'd choose Pettibone Resort.
It's probably a little further away than Pettibone Resort, but I have a reservation at Great River Bluffs State Park (looks to be ~1/2 hour away on the Minnesota side of the river). My guess is that being up on a bluff will eliminate the flooding issue for that location.
The commercial campgrounds are ok, but I have to admit I kind of like the more laid back atmosphere of a state park or National Forest Service campground. Generally fewer amenities but potentially lots less people. I've seen too many commercial campgrounds that were not much more than an open field other than the bounce pavilion built to keep the hordes of small children amused.
I went down to Helen, GA a couple of weekends back for the North Georgia Classic. I took my camping kit and set up at a National Forest Service campground about 5 miles north of Helen. There was another NFS campground right next to the paved road coming in from the north, but my location was a bit closer and 2.5 miles up a gravel road. I suspect either location would have been fine. The one next to the paved road might have given me faster access to Helen (I poke along on gravel) but a little more traffic noise. I was far enough out of Helen that there was little to no light pollution, with only 13 sites it was quiet, and the starry nights were stunning.