Slight correction: It was the 1830s when the railroad arrived that we started to be able to build cities far from navigable water. (navigable is important - if your water can only support small boats your city will be smaller than if it can support large ships). Trucks in the 1900s allow the same thing, and have enough advantages that we would use them for smaller cities, but large cities are still going to get rail transportation. And water transport is still powerful enough that the largest cities still likely need it even though it isn't a strict requirement.