Floods, generally

Generally the houses are old enough that they're from before we forgot that building on floodplains is a bad and that entrances should be perpendicular to the slope, and when every few years we'll get a day with 200mm of rainfall these houses are generally fine even if some roads get ripped up and swept away, but the new houses that get designed by people hundreds of miles away who think the 1500mm of annual rain they get is as much as anywhere could possibly get (try twice to quadruple that...) often get absolutely destroyed

People also generally have 4x4s as you will need something raised to get through roads sometimes, or to pull people who don't out