In the coastal getaway town of Stinson Beach, king tides and storm surges regularly put roads and parking lots underwater: wintertime events that give locals an unnerving idea of what rising sea level will look like for the small community. “We know sea-level rise is coming, but here, we say we’ve already got it,” says Stinson Beach homeowner Jeff Loomans, also the president of the Greater Farallones Association, which has been active in sea-level rise planning.