First read thoughts. Extremely flattered to be mentioned. You live in Santa Cruz! My first wife got her Masters in Mathematics at UC Santa Cuz. I took a bunch of PoliSci classes at Stevenson. I love Santa Cruz.
Great area for Climate Risk. Your analysis is sound and well reasoned. You did leave out earthquakes. The house my wife and I rented in Scott's Valley slid into a gorge in the 89(?) Quake when downtown Santa Cruz got flattened.
Fire is probably your biggest worry. Drought as well. If you can, you should build a cistern of some sort to catch and store rainwater.
That's my first thoughts. Gotta run. More later.
Great read, Lani. I love your stuff.