I think this is a classic case for government intervention; buyouts back to state or federal land seems practical and just to me. And the government typically d

I think this is a classic case for government intervention; buyouts back to state or federal land seems practical and just to me. And the government typically does intervene to help people, just not in the most optimal way IMO; there are stories of people whose homes have been rebuilt multiple times in vulnerable spots. I don't have a clear notion of how common of an issue that is, but I think the natural human tendency to pick a spot and defend it at all costs is shortsighted and leads to tragedy and high costs all around. And then a surprising fraction of people defend ignoring a reliable signal that something has to give... either building practices, or locations, or something else.