California E&S Insurance

The ArkStorm model is based on historical events which, recent information suggests, are on the lighter end of mega floods. Even then, the ArkStorm would completely overwhelm reservoirs or flood controls due to the amount of water released over a relatively short duration. We would have warning but, as this last winter has shown, it's hard to meaningfully predict rainfall totals. I would call Santa Rosa somewhere between suburban and exurban, and that situation was relatively unique--a small valley bound by hills, with lots of vineyards. When I drove through during the fire, the wind was carrying the fire across the freeway, from vineyard to vineyard.  Re: Oakland, to clarify it started as a grass fire in the hills above Oakland proper, and wind pushed it downhill (there's a theme of wind + hills + people living on the interface). I admit that the Cedar Fire was wild, and I shouldn't downplay/underrate the risk that San Diego area faces due to the geography and plant growth, especially in a warming world.

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