Smaller but still predictable: annual insurance premiums (umbrella, auto, homeowners, life, LTC), the healthcare deductible reset on January 1 ($3,000–$8,000 family HDHP, in cash before insurance starts paying), property-tax installments, tuition payments on the semester rhythm, and HOA assessments. Each is small enough individually that the sinking fund can be a single Treasury MMF sleeve sized to the annual total and drawn down as each bill arrives.
The hurricane- and wildfire-deductible cases are worth calling out separately: the bill arrives only if the storm hits, but its size is known up front. Coastal hurricane deductibles run 5% of insured value on most upper-tier homeowner policies ($50,000 on a $1,000,000 dwelling, $200,000 on a $4,000,000 oceanfront second home); California wildfire deductibles on nonadmitted FAIR/E&S placements can be similar. Treat each as a contingent lump rather than a guaranteed one — size the sleeve to fund the deductible plus the immediate evacuation costs (the physical-liquidity kit in section “Assets That Pay for Emergencies”) and let it refill into the operating-cash layer after the season closes without a claim.