Ilam, Dec. 16 -- The nights of October 4 and 5 brought disaster to Rajduwali, Ilam-10, when a sudden flash flood in Maikhola (stream) swept through the settlement in minutes. Homes, fields, and crops were washed away, leaving residents with only their lives and the memory of that night.

Sukmaya Tamang, who lost her home completely, said, "At that moment, we could save nothing but the clothes we were wearing. Now we are surviving under a tarpaulin."

A total of 34 families were displaced. Three months later, many still live on the riverbed under tarpaulins, facing cold winds and an uncertain future.

The NGO Help Nepal Network has built temporary shelters for 14 families, but residents say the corrugated sheet structures provide limited p...