An idea that gets tossed around a lot in this sort of scenario is false vacuum decay.
Let's say we have a tiny ball on the end of an ideal spring, moving back and forth as a harmonic oscillator. The ball and spring have some amount of energy $E$, and knowing the value of $E$ tells us something about the dynamics of the system. There's a quantum analog to this, the more abstract quantum harmonic oscillator. Again, if we know the energy of a quantum harmonic oscillator, we can say something about its dynamics. The one difference is that for the quantum system, the energy must be quantized in some discrete chunks, and we say that each possible amount of energy corresponds to a quantum state.
We can order the possible quantum states like $|0\rangle, |1\rangle, |2\rangle,...$, where $|n\rangle$ represents the $n$th state. Note that there is a lowest-energy state, $|0\rangle$, which we call the ground state. In the case of a harmonic oscillator, it turns out to have a non-zero energy.$^{\dagger}$
Quantum field theory describes the universe as a set of interacting quantum fields, with each one describing fundamental particles (this is a slight simplification, but not by much). Each field has its own ground state, which is usually referred to as a vacuum state - and as above, we expect this state to be the lowest-energy state.
Ideally, the vacuum state of a field is stable, but it's possible for it to be only metastable. This can happen if the vacuum state isn't actually the lowest energy state, but a so-called false vacuum. In this case, there actually is a stable lower-energy state, the true vacuum, but a field in the false vacuum state would need a nudge to get there, and without any sort of nudge, it'll stay in the false vacuum state.
The aforementioned false vacuum decay is a scenario where, at some point in space, the false vacuum decays to the true vacuum through some mechanism like quantum tunneling. A bubble or sorts forms around this point; inside is the true vacuum and outside is the false vacuum. It is quite possible - thought not guaranteed - that a required critical condition will be reached where the bubble expands outwards at an increasing speed approaching the speed of light. Within the bubble, the laws of physics may be different in ways that prevent any significant structures like atoms from remaining stable; conversely, there may be minimal impact at all.
Your conditions could be satisfied if we have a series of false vacuums, where the highest-energy false vacuum is actually several states above the true vacuum. At some point in space, this false vacuum decays into a slightly lower-energy false vacuum, causing tiny, non-catastrophic changes but also making it extremely likely that further vacuum decays will happen, each causing more and more severe effects. By the time the true vacuum is reached, the universe as we know it is no more.
$^{\dagger}$The one-dimensional quantum harmonic oscillator has states where state $|n\rangle$ has an energy
$$E_n=\hbar\omega\left(n+\frac{1}{2}\right)$$
where $\hbar$ is the reduced Planck constant and $\omega$ is some frequency, so clearly the ground state has a non-zero energy of $E_0=\hbar\omega/2$.