I trucked in a cubic yard of garden mix (topsoil, sterilized mushroom
compost, compost and sand blend) and have it in piles and barrels and the bed of my truck. We get 66" of rain annually out here, which since I brought the soil means it's rained 3x, once pretty hard. I always kept the piles covered.
But is this necessary? In how much rain? I'm concerned with the good stuff leaching out of the garden mix in the wrong place, but at least none of the piles are in standing water areas. But this may all be moot as the places we buy compost/soil from keep them in 4-sided concrete bunkers open to the rain!