Preparing for sea-level rise can be justified in many cases, because the cost of preparing now is small compared to the cost of reacting later. Examples include wetland protection, flood insurance, long-lived infrastructure, and coastal land-use planning. Nevertheless, preparing for sea-level rise has been the exception rather than the rule. Most coastal institutions were based on the implicit assumption that sea level and shorelines are stable. Efforts to plan for sea-level rise can be thwarted by several institutional biases, including government policies that encourage coastal development, flood insurance maps that do not consider sea-level rise, federal policies that prefer shoreline armoring over soft shore protection, and lack of plans delineating which areas would be protected or not as sea level rises.