Warm necks make do with scarf — place on flower? (9)
I believe the answer is:
houseboat
'place on flower?' is the definition.
(a residence on a river, something which flows)
I don't understand how the remainder of the clue works.
(Other definitions for houseboat that I've seen before include "vessel" , "home secured by the bank" , "Dwelling" , "home to keep afloat" , "Floating abode" .)