Dry Creek is anything but dry after severe flash flooding swept through the Washington County, Tennessee community Sunday night in a matter of minutes.

"It went from four inches to four feet in 30 minutes," says resident William Chapman.

The water rose so fast, Virginia Garner says she was trapped in her home. "It was awful,” describes Garner, “I couldn't swim because of my leg. They sent a boat."

The raging waters carried a house off its foundation and put it in the middle of the road.

William Chapman had a team of volunteers trying to help salvage what they could from his miniature horse farm. "Everything is gone,” says Chapman. “We've been doing this since 1997, and everything we've put in is gone."

He checked with his insurance company and was told his homeowner's policy doesn't cover floods. Chapman says 10 miniature horses died in the flood and more are still missing.

For so many of the residents, the question of what's next is the hardest to answer. "I don't know, I just don't know,” says Virginia Garner as she fights back tears.

Several people had to be rescued by their homes by boat Sunday night. No one was injured.

Emergency management officials say they estimate 60 to 80 homes were damaged, but they've not yet determined the extent of that damage.