If there's really no sign of Civilization at what inertial positioning claims to be their destination, it will be a very hard choice between "find someplace that looks flat enough to land" and doing a water landing. Some thought has been given toward giving a water-landed plane the ability to beach itself afterwards, or land such that it bleeds velocity at just the right rate given prevailing winds until the airplane slowly glides into what looks like an unobstructed beach... but that is iffy. Alternatively, trying to get all the passengers onto inflatable life-rafts, and get them all to shore... you could lose somebody that way. You could lose somebody, all available ways.
The market says it doesn't particularly expect no sign of Civilization where the landing strip is supposed to be, but the Captain is thinking it through anyways, because she can't actually stop herself from thinking it and also it's her job.
And also also because you can't trust market prices denominated in assets that don't mean anything if Civilization has vanished.