This paper develops a two-dimensional fully Lagrangian meshless fluid–structure interaction solver by integrating the Moving Particle Semi-implicit (MPS) method with continuum mechanics to investigate the nonlinear interaction between waves and floating bodies. The stability and accuracy of the proposed model are validated through several benchmark cases. Furthermore, the solver is employed to analyze the dynamic response of a flat plate floating body in waves. The numerically generated waves exhibit a minimum error of approximately −0.5% and a period consistent with theoretical values, maintaining a smooth and continuous free surface. Due to the inherent limitations of the two-dimensional wave-floating body simulation, the Root Mean Square Error (RMSE) of the interaction results ranges from 5.4% to 15.2%. These findings indicate that the proposed method provides a valuable reference for the design and analysis of floating structures in ocean engineering.