An intense bout of monsoon rains set the disaster in motion Tuesday afternoon. Water rushed from the surrounding mountainside, overwhelming the Rio Ruidoso and taking with it a man and two

"The main reason was the South Fork Fire last year that burned directly west of Ruidoso," Grzywacz said. "The soil wasn't able to absorb any of the rainfall, and it runs right down into Ruidoso. Normally, if you had that vegetation still there, it could absorb it. For the Ruidoso monsoon season, it was above average rain but not record rainfall."