"All I could do was watch it, and I couldn't do a damn thing. It was so quick."
It was the loss of sentimental items she did not have time to grab, such as her father's pen and an old letterbox, that hurt the most, she said.
She was grateful, though, that nobody was hurt. Other residents of the small town north of Dunedin, had been fantastic.
Daylight shows the destructive power of the fire. Photo / Stephen Jaquiery
"We all band together. It's what we do. I've got about 20 places [to stay]. As long as I've got a bottle of whisky I don't care where."
The house was insured, she said.
"I don't need a Givealittle page."
A Fire and Emergency New Zealand spokesman said four fire appliances, two tankers, one assisting vehicle and about 25 firefighters were at the scene at the height of the blaze.
Fire investigator Mark Bredenbeck said fighting the fire was limited by access to a water supply, but that was not uncommon in rural areas where access to water tanks was not guaranteed.
Despite this, there were several key aspects that helped minimise the damage, such as the property having enough space for emergency services to access it, and smoke alarms.
It was likely the fire would have spread much faster if Terry had not had the presence of mind to close the doors as she fled the burning house, he said.