Is it surface water or ground water? If it's surface water then the berms will be the cheapest alternative. If the water is enough to cause foundation damage then some metal and clay won't stop it, you need to divert it well away from the house, and/or drain it away from the foundation. Water flows not just on the surface of land but also under it. My advice is don't worry about what the next owner may or may not do, do what you need to to protect your house.
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