anne germain , 86 , was killed by the flood waters on wednesday .
she was making a quick trip to the shops when her car washed away .
bystanders stripped off and dove into the icy waters to try and save her and her car was dragged by the fast waters in maitland .
she had wanted to go and see her husband in a nursing home but knew it would n't be safe .
nsw premier mike baird visited the area and is ` shocked ' by devastation .