I can suggest to check the Immersed Boundary Method described by C. Peskin in a series of papers. It is the most suitable method for this problem and searching in google you could find some other authors using this method
Just want to emphasize that Filippo is right, the only adequate solution with respect to computational effort and meshing is the Immersed Boundary Method in combination with a Euler-Beam-Theory model as simplified FSI solver. Check out the papers of Julien Favier, he is doing similar things you are asking for.