Before light broke on July 4, dozens of families in Texas Hill Country had their lives changed forever. A downpour caused waterways to rise to near-unprecedented levels, creating floods that devastated a children's summer camp and swept away homes and cars.

As the senior pastor at the Kerrville First United Methodist Church, David Payne is familiar with the question: "If God has the ability to stop it, why didn't he?"

Many questions remain about how storms caught off guard an area prone to flooding and led to the second deadliest flood in Texas history. Here’s what we know. Flooding death toll increases to 132;