Remind me again what part of Europe predictably and regularly receives 160 kmh winds at the same time as 3 meter floods? Are you allowed to build wooden houses

Remind me again what part of Europe predictably and regularly receives 160 kmh winds at the same time as 3 meter floods? Are you allowed to build wooden houses along the beach there? If you build your house in an area like that and fail to build any sort of protection for expected conditions, why in the world should your losses be subsidized by everyone else? When the cost of insurance for your beach house is too high, that is a signal that you are at extreme risk, not a signal that you should pass a law to make the rest of the country pay for the portion of the risk that you can’t afford.