By Steffan Messenger
BBC Wales Environment Correspondent
Some areas of Wales astatine hazard of coastal erosion could beryllium "sleepwalking into oblivion" owed to clime change.
Advisors person warned 2,126 properties successful Wales are successful information of oversea erosion and 36,000 are astatine hazard of coastal flooding by the extremity of the period if coastal defences are not maintained.
Industry experts person warned radical whitethorn find it harder to get a owe oregon security successful immoderate affected areas.
Natural Resources Wales said talks were underway successful immoderate communities.
Coastline erosion was brought into crisp absorption successful Wales erstwhile a major 40m (131ft) landslide fell onto a formation successful Gwynedd successful April.
Geraint Jones, who runs a bakery concern connected the Llŷn Peninsula, decided to instrumentality connected a caller cafe connected the seafront successful Nefyn weeks earlier the landslide happened nearby.
The gaffe saw parts of people's back-gardens sliding onto the formation below, and helium described it arsenic "shocking and awful" for those affected.
Mr Jones has since been successful interaction with his security steadfast and feels reassured by the cafe's determination supra a oversea wall.
"Hopefully we'll beryllium safe," helium said, adding that "with a concern similar this you've got to instrumentality immoderate risks."
But making definite communities are afloat alert of the challenges posed by coastal alteration successful the coming decades needs much attention, according to Dr David Clubb, laminitis of Welsh biology consultancy steadfast Afallen.
People are capable to check the agelong word flood risk of their country oregon thoroughfare online.
Why each successful Wales should see flood risk?
Even those "living connected a hilltop successful Powys" should see the implications, Mr Clubb claimed.
"If Liverpool, Cardiff oregon Newport are flooded, wherever volition those radical determination to?" helium added.
"It's precise overmuch successful the involvement of each of the radical of Wales to deliberation astir this and effort and recognize the data."
Mr Clubb pointed to planetary maps produced by US researchers Climate Central which foretell parts of the state could beryllium flooded annually from the oversea by 2050.
Recently, the autarkic UK Climate Change Committee besides warned areas connected the westbound seashore were facing "threats to their viability" by rising oversea levels and fiercer weather.
Tens of thousands of homes and businesses could beryllium affected by flooding - with 10,000 already astatine hazard present - and erosion by the extremity of the century.
Could mediocre coastline communities beryllium worst deed by flooding?
The scientists called for "a thorough review... to make a strategic, joined-up attack to managing this issue", informing that poorer communities on the coastline could beryllium peculiarly affected.
"It's not adjacent tomorrow's problem," said Owain Llywelyn of the Royal Institute of Chartered Surveyors successful Wales, referring to Fairbourne successful Gwynedd, a colony already being "decommissioned" owed to the encroaching sea.
But further afield, it is "almost arsenic if radical are hoping it volition spell away", helium said.
"Perhaps we person been sleepwalking into what could beryllium - though hopefully not - oblivion," said Mr Llywelyn.
The concern could pb to higher security premiums and banks "demanding overmuch much than the mean deposit - 30% and upwards" for a owe successful areas "where spot is susceptible to onslaught from the sea", helium explained.
How galore properties successful Wales are astatine hazard of flooding?
Malcolm Tarling of the Association of British Insurers agreed that it was a "major origin for each insurers these days".
"One successful 8 properties passim Wales are susceptible to flooding and that hazard is apt to get worse," helium said.
The manufacture precocious published a "climate alteration roadmap" outlining however it could enactment efforts to chopped c emissions and assistance customers marque much sustainable choices similar opting for an electrical car oregon greenish boiler erstwhile they marque a claim.
But the "sad reality" was that coastal erosion successful peculiar was improbable to beryllium thing insurers could assistance with - owed to it being a "foreseeable hazard that is happening gradually implicit time", Mr Tarling added.
'This isn't astir bricks but people's heritage'
Natural Resources Wales said it has been moving for respective years with section authorities and the Welsh authorities to make shoreline absorption plans for areas wherever clime alteration posed a peculiar challenge.
Sian Williams, the organisation's caput of operations for northbound westbound Wales, said it was hard territory that needed to beryllium handled cautiously truthful arsenic not to frighten people.
"We're looking astatine decades from present successful tons of these communities and that's rather hard to get your caput around, being progressive successful a speech that volition impact your children and grandchildren and aboriginal generations arsenic well," she said.
"But it is truly important that we're having those discussions - nary of america privation to beryllium successful a concern wherever we disregard what's happening."
Consultations were already underway successful immoderate communities that could beryllium astir affected, she said, with nationalist work boards acceptable up to amended practice crossed nationalist services doing a batch of enactment connected the issue.
"We tin look astatine models, maps and information but it's captious to perceive section stories and information," Ms Williams added.
"This isn't conscionable astir bricks and mortar but people's practice and past too."