I used to live on the Cherwell flood plain, lizg. Last flooding 1998 though it didn't affect our house. Quite close (our street even) but... well, phew...
Waves come over Blackpool sea wall quite often but do not usually cause serious flooding. I had a student summer job on the trams in 1974 and they had to stop the trams one summer day because of seawater and sand on the tram rails cutting out the electricity circuit. People are mad going close to the edge on such days, even with the railing fences.
Retiring and living frugally in money from downsizing after years of stress




I hope.