Anyone investing in any kind of shoreline infrastructure will take steps to protect their investment. Warmer temperatures = more energy in the atmosphere = more storm severity/possibly frequency. You can be certain any insurance company would determine their exposure to risk on the basis of such protective works as may be proposed or in place.
The only exceptions in the UK seem to be nuclear power stations. Their protection against storm surge or tsunami is minimal.(there are/were two on the River Severn and one on the estuary. It has one of the highest tidal ranges in the world and a recorded surge in excess of 3.5m and previous history, The great storm of 1703)