In the city, the property for which you are responsible usually halts at your door and usually doesn't involve a roof or basement.
Suburban living, on the other hand, exposes you to damage from flooding, hail, falling tree limbs, creeping roots, and so much more. I have incurred costs created by windblown debris damage, roots breaking apart pipes buried beneath the yard, and more flooding than I care to think about.
That's just to name a few of the times nature has forced us to reach for the checkbook.