Kind of a minor point, but significant - "100 year flood", as I understand it, doesn't mean that you have a predictable interval between events. It does mean for floods that every year you have a one in one hundred chance of having a flood of that magnitude, so each year you roll the dice fresh....

Since long term forecasts are getting to be fairly useful, there are years, like the present, when you can relax. But we will always have wildfires.

Perhaps someday we will have a useful way of predicting earthquakes - I heard on the news that there was a 2.6 or so in Santa Monica yesterday.