A real life example:
Flooding, Mudlsides Loom As Threats After Wildfire
Erica E. Phillips, Wall Street Journal, 2 September 2014 (from p. A2 of physical copy)
Glendora, Calif. - David Fredendall owns a single-family home here, on a quarter-mile long residential street that goes straight up into the San Gabriel Mountains, with sweeping views.
"We've been in town for about 27 year," said the 59-year old Mr. Fredendall, who lives here with his wife and son, "and we don't aspire to leave."
Well, I know people will pay a lot for a view, but usually they are talking about money.That is despite the real possibility that the hillside above..., which burned hot and heavy in a February fire, could become an unstable wall of mud and debris during the coming rainy season. Their street, Rainbow Drive, was the site of a notoriously destructive mudslide in 1969, and it is at a better than 80% risk for debris flows in the event of a heavy rainstorms...
This reminds me of the situation in the prepper-preachy novel, Event Horizon, that I reviewed recently. In this case, the plot is set up to where a small grouping of four families are sitting in a house, and know that a militia is coming after them for blood-revenge. In a novel, with all sorts of bug-out bag advise, and military hardware discussions, et cetera. The family of course decides to stick it out! And since it is a novel, they are able to devastate the militia with very light casualties. In gaming terms, it's like the rolled boxcars (1 in 36 chance) for the win.
I hope the Fredenall's wind up o.k., they don't appear to need boxcars for the win, but even on much easier odds, if you roll often enough, a fail is inevitable. Over attachment to your stuff is not a good survival strategy.