Coastal communities are experiencing significant impacts, including the loss of homes, infrastructure, and natural barriers like sand dunes. In the Outer Banks, 21 homes collapsed into the ocean within a year due to erosion and storm surges. Rising sea levels, combined with high tides and storms, exacerbate the risk of flooding, threatening millions of Americans and their properties. The financial burden of adaptation measures, such as home relocation or elevation, is substantial, often exceeding hundreds of thousands of dollars, making it inaccessible for many homeowners.