Not an entirely permanent case, but I remember seeing a documentary about people living on shifting river deltas in Bangladesh, where the land they 'own' can ge

Not an entirely permanent case, but I remember seeing a documentary about people living on shifting river deltas in Bangladesh, where the land they 'own' can get submerged for some years, forcing them to make a temporary house elsewhere, but able to go back and rebuild when/if the land re-emerges. But insurance is of course not really involved because the people living in these circumstances are typically not so well off. IIRC government relief is also not really much of a thing for those communities. They just rely on each other, knowing that by helping others in the community, they'll get help in return when they need it.