People used to build cabanas on the beach, because they better understood nature.
If you can't afford to rebuild out of pocket, you probably shouldn't be building on a sandy beach.
The Outer Banks in NC are full of 4-5 story “beach” house...Rent anywhere from 5 to 8 thousand a week....
They are constantly being moved or re-supported...The “locals ususally live in one story low roofed homes back away from the beaches...