Most of the business houses and nearly all residences had occupants. Downtown the offices were filled with men, fathers unable to get home, and the upper floors and on some of the roofs of the residences were helpless women and children. Hundreds of houses, substantial buildings in the residence districts, many of them with helpless occupants, were washed away. The water in the Miami River began rising Monday afternoon at the rate of six inches an hour and continued to rise throughout the night. The first break in the levee at Dayton came at four o'clock Tuesday morning at Stratford Avenue. This was followed by other breaks at East Second Street and Fifth. THE RESERVOIR BREAKS But the severity of the flood that hit Dayton was due to the collapse of the Loramie reservoir in Shelby County about seven o'clock on Tuesday morning, hurling millions of gallons of water into the swollen Miami. Rushing down the Miami Valley, the water carried everything before it at Piqua, Troy, Sidney, Dayton, Carrollton, Miamisburg and Hamilton. Three rivers, the Miami, Stillwater and Mad, and Wolf Creek conjoin in the heart of Dayton. As the city, particularly North Dayton, and a north section called Riverside, lies almost on a level with the four streams, it is protected from high water by levees twenty-five feet high, which guide the streams through the city from its northern to its southern end. [Illustration: NORTHERN PART OF DAYTON, AND WATER COURSES WHICH OVERWHELMED THE CITY] North Dayton is a manufacturing and residence district. Riverdale is a residence district. In the southern part of the city, on fairly high ground, is the great plant of the National Cash Register Company Wolf Creek, flowing into the Miami from the northwest, early got out of its banks and added to the flood flowing over the floors of the Williams Street and Edgewater Avenue bridges. Mad River, in the northern section, also got over its banks early. All of North Dayton, save the extreme uplands, was inundated. The Miami was more than a mile wide below the city, and thousands of acres were inundated. BUSINESS SECTION FLOODED At Third and Ludlow Streets, where were located the great Algonquin Hotel, a magnificent church, the great Y. M. C. A. building and the Hotel Atlas, were many feet of water. The central portion of the city was flooded, and the beautiful residence district, lying east of the exclusive boulevard district, was a Venice. Hundreds of homes were filled with floating furniture. The citizens, used to the slow-creeping floods of other years, were entirely mystified and distracted by this sudden, hurtling, seething flood that seemed to spring by night from the clouds that hovered low over the city and plunged their seas of water into the rivers that converge in the very heart of Dayton.