The phrase comes from the idea that problems can fall heavily like a sudden rainstorm. With the recent flooding and now a power outage, it never rains but it pours.
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Figurative Meaning
Used figuratively, it describes a situation where many difficult things happen at once. First the car broke down, then we got locked out. It never rains but it pours.
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Not Literal
The phrase isn't about actual rain—it's a metaphor for an overwhelming number of problems. He lost his job, and his house was burglarized the same week. It never rains but it pours.