WEATHER_0408_fl.jpg Holly Hopper, owner of a home furnituring store called &quot;Grasshopper&quot; on San Anselmo Ave in San Anselmo has no flood insurance and now has to start all over from the damage from the lastest rains. The Bay Area weather forecast sounds familiar -- lots of rain and wind. A storm was heading today and was expected to dump at least 2 inches of rain on Napa and Sonoma counties and the Santa Cruz Mountains today before tapering off Tuesday, according to the National Weather Service. 1/2/06 San Anselmo CA Frederic Larson San Francisco Chronicle Photo: Frederic Larson