In addition to what others are saying about the naturally cool and stable climate, SF also has reliable water through long term water rights in the Sierras, fai

In addition to what others are saying about the naturally cool and stable climate, SF also has reliable water through long term water rights in the Sierras, fairly high land translating to low flood risks compared to a place like NYC and less likelihood of the sort of major storms that drive storm surge. Some of the surround peninsula is obviously more at risk, but compared to cities in Texas or Southern CA it seems like it will probably do pretty well