Yes you are absolutely right. Garhi Habibullah is a small city mostly situated in KPK but a small portion comes in AJK as well. River Kunhar after completing its journey from the beautiful Kaghan Valley enters Garhi Habibullah. While passing through the city we just stopped there to take a 5 min rest.
Where we stopped, we thought it to be an under construction site for shops or a small road along side road. But as we went to its back side it was a horror. This was a house roof top situated on the bank of river Kunhar. Flood came from the near by mountains and brought a lot of Khaka with it. And filled the houses with it. the people could not get out.
Rest all the pictures will tell