Earlier quoted context omitted.
I don't know, in my place (the West coast of France) it's the government's job to protect citizens property. There used to be a dike built in 1856 but it eroded away and in the 90s when I was young the broken sections were replaced with just big rocks[0]. It works quite fine, I believe they wouldn't count as a "hard structure" which is forbidden in this case, and they don't wash away like sand. Beaches form, naturall…
Because they built houses in place they shouldn't have
In the same area I'm talking about, people died in flooding during cyclone Xynthia, in 2010. It wasn't because of a particular weakness in the seawall, it was found that these homes should never have been built in the first place.
But they had been built legally, with permits obtained from the town, so 700 of these homes were bought (by the state, not sure exactly which levels the funds came from but France is a unitary state so it doesn't matter much) and demolished. And the mayor who granted the obviously bogus permits was sentenced to prison for the 29 deaths he caused.