It doesn't actually require a problem with the road. Rather, it simply takes something that requires a driver turn properly. I've never seen anything like this but there's a wall not too far from here that's been hit IIRC 4 times over the years. It's a bit hard to see the place to turn until you're almost on top of it, I presume the impacts have been drunks who saw the turn too late and went into it too fast. Drunks will fail to navigate turns, if your house is in the line of fire you're going to take hits. (Which is why I absolutely would not buy a house that could be hit by someone not turning sharply enough.)