Over the years, I have thought about owning a house a Mexico Beach, FL. However, I knew that hurricanes are inevitable. So, there is no way I would own one on the beach because it would likely get destroyed by a hurricane. However, I felt better about a house well back from the beach, like a fifth of a mile. Michael’s storm surge leveled even half of the houses that far back.
Over a decade ago, I had a conversation with a coworker about this question. I think where I landed was a buffer zone. I would love the Florida coast to be a series of state parks. Towns can start a tenth of a mile back. The state parks could build sea walls and encourage the development of sand dunes over them. Hopefully, such a plan would better protect them from a storm surge.
The trick though is Mexico Beach is built on a barrier island. The town has not expanded much inland because bay behind the island has mostly filled in to create wetlands. Building there probably means more flooding from rain. So people would go from flooding from storm surges during the occasional hurricane to flooding nearly yearly. So, they would have to still build higher much like New Orleans.
Also, as the sea levels rise, places like Mexico Beach will need to move inland as well.