Your heroine is trapped. She made her way across raging flood waters to help an elderly person who lives by themselves. Now they’re both trapped.
Who comes to help them?
What happens?
I imagine that a handsome neighbor comes to help and they get trapped. Maybe the hero is a National Guardsman that gets stuck with them as well. Maybe your heroine is trying to find the elderly neighbor and she is rescued by the National Guardsman and they have to take refuge.
So much potential.
Take care and happy writing!