We bicycled into Toronto about an hour after the rain started falling during the July 2013 Flood.

https://toronto.citynews.ca/2014/07/...spread-damage/

I had the Ortlieb Plus Bike Packers when we arrived arrived in Toronto. My companion didn't have them, but he did by the time we left two days later! My stuff was completely dry, but his was emphatically not! His other panniers were good for a light rain, but not for a sustained downpour or deep puddles.

Fortunately we had splurged on a downtown high rise hotel, because we were planning to stop and enjoy a few days of the Toronto Fringe Festival. The doormen welcomed us with a smile - but did follow us with mop, and that night, our bicycles stayed in the luggage room, not our hotel room.

The first time we went to MEC to buy my companion new panniers, they were closed because the power was out, but they opened eventually. Several of our play choices were rained out, and I remember a walk through knee deep water, but we managed to enjoy the Fringe and the city.