Flood risk is no longer a theoretical concern for coastal properties; rather, it is a complex, evolving challenge that directly impacts safety, insurability, capital planning, and long-term asset value. This expert panel will examine the realities of flood prevention and mitigation in coastal environments, addressing what works, what fails, and where traditional assumptions break down. Drawing on technical, regulatory, and operational perspectives, our panelists will explore strategies for protecting communities in an era of rising seas, intensifying storms, and increasing scrutiny from insurers and regulators.