So are developers getting ready for the water? The National Association of Home Builders, the housing industry's largest trade group, has no policy on adapting coastal projects to account for rising sea levels. "While sea level rise may be a real issue in some areas," Susan Asmus, NAHB's senior vice president of regulatory and environmental affairs, told me in an e-mail, "it is but one of many considerations that are likely already taken into account during the planning process." Mother Jones contacted the nation's 10 largest homebuilders, including D.R. Horton, Pulte Homes, and Lennar; none would say how they are responding to sea-level rise.
Nor is there any evidence that the issue has much traction with homeowners—and why should it? Property insurance is readily available in most coastal areas, if not through private insurers, then through state governments and FEMA's National Flood Insurance Program. Though the NFIP requires policyholders to live above the 100-year high watermark, it doesn't account for how that line may creep inland in the future. Besides, most people would plan to resell their beach houses long before they expect them to be swallowed by encroaching waves.
What about government? Most coastal states have done little or nothing to regulate shoreline development, often for fear of litigation. In 1988, South Carolina's Beachfront Management Act required new beach homes to be set back far enough from the water to be protected from at least 40 years of erosion.A property owner named David Lucas sued, and the U.S. Supreme Court eventually ruled that the construction ban had deprived him of any "economically viable use" of his coastal properties, a "taking" that required the state to compensate him. "After Lucas, fewer people spoke seriously about stopping development," Titus says.
A few state and local governments have taken more constructive action. Several states limit development near tidal waters. (Maine and Rhode Island have done this specifically in response to sea-level rise.) Chatham, Mass., cites sea-level rise as one reason why it prohibits new homes, even elevated ones, below 100-year flood lines. (State courts have upheld those limits in Chatham and Maine because they still allow property to be used for recreation, farming, and other profitable activities.)In California, where erosion and winter storms routinely knock multimillion-dollar homes off seaside cliffs, the state's Coastal Commission has long required anyone who builds on coastal bluffs to submit a geotechnical report proving that their home won't fall into the ocean. Three years ago, it began requiring the reports to account for sea-level rise. And in a groundbreaking 2008 executive order, Gov. Arnold Schwarzenegger directed state agencies to plan for sea-level rise in their construction projects.
A handful of developers have also started to grapple seriously with sea-level rise. A residential high-rise project on Treasure Island, a former naval base in the San Francisco Bay, is being built far from the shoreline and is reserving funds for a protective berm if the water rises even higher than the three feet that's anticipated. And in the wake of Hurricane Katrina, the insurance industry drew up standards to fortify houses for stronger hurricanes and higher waves; so far, though, only 200 houses nationwide have been built to comply with the standards.
Most coastal dwellers are focused on riding out the next surge, not the next century. You can't really blame them—nobody really wants to hear that their days on the beach are numbered.
Case in point: Beyoncé's dad. Matthew Knowles has been locked in a bitter struggle to save his beach house which now sits on top of the high-tide line in Galveston, Texas, thanks to Hurricane Ike. In most states, Knowles would be allowed to shore up his home, but not in Texas, which is known for one of the most progressive laws in the country on beach access. The state's Open Beaches Act provides that beach as a public resource that must be protected from "erosion or reduction caused by development."
Last year, after Knowles started reinforcing his property with tons of cement, the Texas General Land Office informed him that paving over the beach is illegal. Even so, he continued and then surrounded his home with sod, planters, and sandbags. In March, the agency notified Knowles that it was preparing to fine him up to $2,000 a day for violating the Texas Open Beaches Act by interfering with "the right of the public to use the beach." Knowles did not respond to a request for comment.
Historically, the 51-year-old law has been used to prevent property owners from walling off the beach in front of their homes. But officials say the law clearly applies even when the beach comes to the houses, rather than vice versa. "Even if you make $80 million a year, we don't care," says Jim Suydam, a spokesman for the Texas General Land Office. "The beach is the public's." Incorporated into the state constitution last year and vigorously supported by the state's conservative, gun-packing land commissioner, the Open Beaches Act is remarkably popular, in part because it can guarantee beach access for ATVs.
Titus views the Texas Open Beaches Act as one of the more promising tools for preparing for higher water. It has unintended environmental benefits, ensuring that beaches can migrate inland instead of being walled off and at the same time, it sidesteps any debate over climate change. "Developers who deny that the sea will rise would view the policy as costing them nothing," because it wouldn't prevent them from building near the shore, he notes. Only the diehard beach dwellers would stand to get soaked.