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There may not be signs but if there are, sometimes the server will start acting up - mysql / databases not connecting is usually the first sign. Maybe a sudden need for reboots.
Redundancy via RAID is constant, there is a RAID monitoring daemon. If you had a managed service your host would be doing that, if not you're responsible for doing that yourself. Once a drive fails, such monitoring would show you a drive has burned out, but the server would continue functioning using remaining drives. RAID makes things easy as drives are typically hot-swappable - rip out the bad, put in new, rebuild the array.
This doesn't mean that RAID is the same as a backup. If you accidentally delete something on your server, the backup is where you'd be able to get that information, it will be gone from the server. There are also other things that can fail and in this case, RAID wouldn't help, so regular backups are a must.
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