The original Crysis has some nice beaches

If you like throw-back CRPGs, Pillars of Eternity 2 takes place in a tropical environment inspired by Pacific islands/archipelagos like Hawaii, Polynesia and the Philippines. Also one of of my favorite RPGs ever! Another good beach/tropical game is Assassin's Creed 4. Not my favorite AC game by a l...

Maybe Stranded Deep or Raft. Just Cause is also a possibility

Tropico