An ice-cold wall of water rose so quickly that expat Suzanne Morris had seconds to escape her Colorado apartment in the middle of the night last Wednesday.
Ms Morris, formerly of Auckland, and her American husband Jeff Voreis are among tens of thousands of people left homeless in the city of Boulder, at the base of the Rocky Mountains, by flash floods which have hit the region since last week.
The couple had been monitoring a small stream near their ground floor apartment and the water had been rising through the night, but they were completely unprepared for the surge that arrived.