I eventually settled on the San Francisco Peninsula. Every few years, some big storms roar off the Pacific and more houses in San Mateo County fall into the ocean. People lose not only their house, but their land, too. Imagine that your entire land is gone, just ceases to exist!
But people made that choice knowing that the ocean and erosion are unforgiving.
I was boogie boarding one day and watched a 100 yard section of the cliff, just underneath the glider port, simply and almost silently, fall to the beach. Millions of pounds of dirt gave in to gravity, no wind, no rain, no earthquake, the surf line was 50 yards away.
It happens and has happened since the beginning of time. That (and the coastal commission) is why people don't build their houses there.