There is a one-two punch when it comes to widespread landslides, which require accumulated precipitation as well as intense falling rain high enough to unzipper the terrain.
Homes on Scenic Drive in Dana Point saw a nearby cliff crumble during recent rain, the latest landslide to strike coastal Orange County during wet weather.
Homes once prized for hillside views and apartment complexes on low-lying urban streets are both increasingly under threat from severe flooding, mudslides and heavy winds, but insurance to protect against disaster can be impossible to obtain.