Florida resident Briana Gagnier and her family saw water creeping into their home on Holmes Beach. They picked up shoes and other objects on the floor and placed them on tables or beds - anywhere to get them on higher ground.

They even used towels to try to stanch the flow of water seeping in - something Ms Gagnier called "silly" thinking back.

Then came a loud bang.

"My family and I all looked at one another," the 29-year-old told the BBC. "Then water just started pouring in."

A door to their garage broke open violently - caving way due to the floodwaters from Helene. Ms Gagnier said the flow reminded her of rapids in a river.

The family panicked. Ms Gagnier grabbed her two dogs - Logan and Sunny - her wallet and some portable chargers. She placed her pet chinchilla in a cage and put him on top of the tallest piece of furniture she could find.

The water quickly rose to their shoulders.

She and her family had to swim out of their home - which is located on a barrier island off Florida's Gulf Coast.

"Everyone was screaming and panicking," she said. "Whatever your worst idea of what this storm is - that is what we're seeing."

Ms Gagnier and her family ran to a neighbour's home across the street. They ended up rescuing two elderly neighbours whose house erupted into flames. She says the cause is unclear but it appears related to a golf cart battery.

Her family lives in an evacuation zone and crews had warned those staying behind that "no one is coming for us" in an emergency, she says. Looking outside, she's watched couches, chairs, a bench and even a car float by. The water was above her mailbox for part of the evening, she adds.

"I just can't believe this is real. The eye of the storm didn't even hit us straight on," said Ms Gagnier. "This island is completely devastated. Everywhere I look, devastation."

Helene has now weakened to a tropical storm as it moves more inland over Georgia, according to the US National Hurricane Center, where it is s expected to bring fierce winds and more flooding.

Anna Maria Island resident ML Ferguson told the BBC that homes and businesses were seeing water gushing into buildings as the hurricane approached.

The streets now look like rivers, she said.

Water quickly overwhelmed the beachside bar where she works - the Bridge Tender Inn Dockside & Tiki Bar - with waves splashing the sign and chunks of seaweed clumped near tables.

"We are resilient," she said. "We keep an attitude of 'and this too shall pass.'"

By the time she returned to her home, water was starting to creep up her porch.

"Oh my gosh, it's literally up to the second step," she told BBC in phone interview. "My house is about the flood."

Ms Ferguson quickly moved some tables so she could put things on top of them to prevent the floodwaters from ruining belongings.

But while she spoke to BBC News a person drove down her street, causing a wake of water that splashed inside.

"The water is already coming in," she exclaimed before rushing off the phone to try to stop it.

Cainnon Gregg, an oyster farmer in Wakulla County on Florida’s Big Bend, spent the last few days trying to protect his farm by sinking it onto the ocean bed.

His farm was destroyed once before, during Hurricane Michael, a category five hurricane that hit the Florida panhandle in 2018, and Mr Gregg said he is determined to learn from that lesson.

“Hopefully, and nothing is for certain, the farm is sitting nice and safe on the bottom,” he said. “But anything could happen.”

To weather the storm, Mr Gregg plans to hunker down in his hometown of Tallahassee with a friend who has a shelter.

The city is also in the hurricane’s projected path, and it has not experienced a storm of this magnitude in recent memory.

“Right now it’s pretty much a ghost town. Everything’s closed. Everything’s boarded up.” he said.

Denise O'Connor Badalamenti has seen countless hurricanes in her decades living in Florida, but Helene has her more on edge than ever before.

"I think this is going to be the one," the 62-year-old told BBC News from her Bradenton home, which sits just a few streets from the water, as the storm moved closer to making landfall.

"I feel like we're always in the cone of possibly being targeted but then get sparred at the last minute but I don't think we're going to lucky again."

Her mother's home has flooded six times over the years and this morning water was already creeping up their driveway. Her family has taped up all the doors shut, hoping to stop any flooding.

"This one is just massive. It's scary," Ms O'Connor Badalamenti said.

Following the guidance of emergency officials, she said has stockpiled supplies and has an assortment of food ready if they lose electricity.

"We're ready for the worst."

Michael Bobbit, a clam farmer on the island of Cedar Key on Florida's Big Bend, said that some people in his community have decided to stay behind despite the warnings.

“The last several hours have really just been a frantic effort to beg people to leave,” Mr Bobbit, 48, told the BBC on Thursday, before the storm made landfall.

“Here in Florida, we sort of believe that we’ll just ride it out, it’s no big deal. But this is not one of those storms.”

He added that locals have been trying, "to sandbag as many buildings as we can", as well as board up windows and get the island's clam farms secured.

"The mood is sombre," Mr Bobbit said.

"A lot of people when they’re leaving the island are hugging each other and crying, saying ‘I hope we have a home to go back to.'"

Mickey Moore, 54, has lived in his home in Tallahassee for about 15 years and the worst he's seen coming from a hurricane was his power going out.

This one, he said, has him concerned.

His home is about 20 miles (32km) from the Gulf of Mexico - and right in the storm's path.

"A category four - it's just so big," he said, taking a break from a game of Monopoly with his two sons and his wife.

"We've been fortunate in past storms," he adds. "We don't take it for granted."