It had been raining for two days, 100mm falling on Friday alone. At about 7.00 pm we heard the flood warning siren in Hebden Bridge a couple of miles away, and then the local one sounded. The River Calder had been running high for a couple of days. Over the next few hours what at first seemed just a trickle of water along the road at Mytholmroyd turned into a fast torrent with people up to their waists in water. By Saturday morning the water had gone, leaving a filthy sewage mixed mess everwhere, shops, stock and homes, possessions ruined and the long unpleasant task of clearing up. I understand that flood insurance comes with a £6000 excess for the typical home owner, making it unaffordable for many.