The anticipated 'Super El Niño' could lead to record-breaking sea levels, significant coastal erosion, and severe flooding across San Diego. Vulnerable areas include neighborhoods inundated in past storms and FEMA-designated flood hazard zones, which encompass 15,000 acres and over 6,900 structures. Risks extend beyond these zones, with potential mudslides, power outages, and downed trees. Historical data suggests that while strong El Niño conditions increase the likelihood of destructive storms, actual rainfall totals can vary. Residents without flood insurance may face significant financial losses, as most homeowners' policies do not cover flood damage.