In Indonesia, the incremental of settlements can develop naturally due to social and cultural influences. This settlement emergence from the need for a place to live and the community’s activities. Therefore it can not be separated from the effect of internal and external factors that grow in society. People living in waterfront areas tend to build unplanned settlements against government regulations. The incremental of settlements does not support the development process of the Indonesia archipelago, which is divided into long-term, short-term, and annual. This research purpose is to find out the concept of proper regulation for settlements that developed naturally. Furthermore, the concept has preferential values in people’s lives will be a government regulation that is more easily accepted by people in urban villages. This research will carry out by examining the regulation for building waterfront settlements. Besides, observations will also make to pay attention to cultural values, potentials, and characteristics in settlements that have characteristics as naturally incremental settlements. In terms of aspects of the development of science, this research will contribute to the field of settlement morphology. The findings of this research will be a recommendation in waterfront development planning that reflects the social and cultural values that develop in the community.