When we see a built world, we tend to take its permanence and stability for granted. For those who have chosen coastal homes, that built world goes back at least 50 years, with few residents ever realizing that oceans, lakes, and rivers are living entities constantly in motion. The average person relies upon experts such as architects and civil engineers, and supposed guardrails such as state building codes and homeowner associations, to assess safety when purchasing property. But the 21st-century assumption that the built world is stable is a risky bet. Especially in “business-friendly” states.