The problem over here has been water – it's been very wet in places. We're fortunate, we live in a rain shadow area and in any case our house is near the top of the hill, but there's a friend of mine further inland whose house was flooded. There were plenty of places for the water to go, but building work below them had restricted the drainage. What happened was (1) violent cloudburst, (2) 6" water through the ground floor of the house, and (3) water gone. The whole thing was over in about 90 minutes, but the damage had been done. He's now arguing with the insurance people.