THIS is the video that shows the terror and fear that swept through the Lockyer Valley, riding on the back of a killer flood.

The horrifying video footage shows the moment the freak flood devastated the tiny Lockyer Valley township of Postmans Ridge.

Charlotte Bull, 22, shot the footage on her mobile phone as she scrambled to the second floor of her parents' Murphys Creek Rd property.

She can be heard in the background screaming in shock as the floodwaters race through her backyard, tearing away the family's belongings.

Their work truck, cars and furniture are swept up in the water.

Charlotte, sister Elizabeth Suzuki and her husband Yohei, and their parents Catherine and Barry Bull can only pray their home is not washed away.

``Oh my God,'' Catherine yells repeatedly in the footage, obtained by The Sunday Mail.

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A panicked Elizabeth says in the background: ``No-one is listening to me. The house is going to be flooded. We need to get on the roof.''

Her mother, Catherine, can be heard to say: ``I feel like throwing up. I feel so sick.''

As the waters rise she is forced to watch as a lifetime's possessions are washed away:

``My pillows from the loungeroom. My lounge. Oh my God, the cupboard with all our treasures.''

Barry Bull was the voice of calm in the crisis, assuring his family: ``We'll be right.''

The footage is the first to emerge of the flood as it happened in the shattered area, and shows how water converged from multiple angles.

Bruce Warhurst, 60, and Sylvia Baillie, 73, were swept away with their entire homes from neighbouring properties just hundreds of metres away and remain missing.

When the flood hit, the Bull family raced to the second floor of their five-bedroom rendered-brick home.

Barry Bull climbed onto furniture and up into the ceiling's manhole.

His family followed him in and spent two hours holed up in the ceiling cavity.

His wife Catherine, a medical centre manager, watched as the water took her cedar chiffonier sideboard that belonged to her great-grandmother.

She also lost her 135-year-old Ronisch piano, given to her as a seven-year-old, and thought she was going to lose her life.

``I rang my mum and said `this is it mum, I love you, we're going'. I've never felt that close to being a goner,'' Catherine said.

``I thought 'how are we going to get on the roof and stand there without being killed?'.''

The Bull family's business Withcott Towing has been devastated and their insurance will fall well short of covering their losses.

CommInsure told the family that because it was a flash flood they were covered for only 15 per cent of building damage and 25 per cent of contents.