Buildings might survive the winds, but what survives the storm surges?
The second floor
“Ground” floors nearest the shore would be on pilons, not at sea level. The “beach” should be expected to be lost in giant storms. Some places inland that should it sill be expected to see the most massive possible storm surge, dikes can be built as well as water handling channels there only for storm surge occasions. There should always be some “green spaces” where possible, between the shoreline and human occupied land, that is expected to flood in storms and provide some natural brake on storm surges. Those kind of protections would be less expensive than the repeated governmenmt insurance bailouts.