Refraction
The dispersion relation ω² = gk·tanh(kh) gives, in shallow water, the speed c ≈ √(gh): the shallower the water, the slower the wave. The crest lines turn towards the shallows according to Snell's law in its normalisation-free form sin θ/c = constant – water waves have no vacuum from which to take a refractive index, and the seabed is one continuous medium, not two with an interface. The invariant is the component of the wavenumber along the depth contours, k sin θ. If you want an index, it is neff = √(hdeep/h): the reef acts as a lens of ‘optically dense’ shallow water that gathers the rays round the tip.