With the world losing the battle against global warming so far, experts are warning that humans need to follow nature's example: Adapt or die. That means elevating buildings, making taller and stronger dams and seawalls, rerouting water systems, restricting certain developments, changing farming practices and ultimately moving people, plants and animals out of harm's way. Adapting to rising seas and higher temperatures is expected to be a big topic at the U.N. climate-change talks in Copenhagen next week, along with the projected cost — hundreds of billions of dollars, much of it going to countries that cannot afford it. That...