Three children died Friday when a sudden storm capsized their boat on Wisconsin's Geneva Lake — a reminder that no life jacket or 911 response substitutes for getting off the water before the weather turns.

The Fourth of July tragedy underscores a hard truth: government rescue services, no matter how fast, arrive after disaster strikes. All four children aboard the private motorboat were wearing life jackets, according to Geneva Lake police. First responders rescued six adults and one child from the water within minutes. Three kids still died. Lifesaving measures at the scene and en route to the hospital could not revive them.

Ten people — six adults and four children — were on the recreational boat when a squall line swept into Walworth County around 12:10 p.m., according to Walworth County Undersheriff Tom Hausner. The boaters tried to reach safety but were overwhelmed by high winds and waves. The boat capsized and sank.

A source told CBS News Chicago the three victims are believed to be younger than 13. Their identities have not been released.

The storm hammered more than the lake. Wind gusts hit 60 mph, knocking down power lines, shattering trees, damaging buildings and crushing cars, the New York Post reported. Nearly 514,000 homes and businesses across Michigan, Illinois and Wisconsin lost power. Lake Geneva Mayor Todd Krause issued an emergency declaration at 12:18 p.m.

Hausner said the county's permanent population of roughly 106,000 surges past 200,000 on holiday weekends. "Our resources, not just the sheriff's office, but all law enforcement resources and fire and EMS are stressed, and this compounded that to levels unprecedented," he said. The sheriff's office called in all off-duty deputies and requested mutual aid from surrounding counties and the Wisconsin State Patrol.

Area hospitals enacted diversions due to the overwhelming volume of storm-related injuries.

The Geneva Lake Law Enforcement Agency and the Wisconsin Department of Natural Resources are conducting a joint investigation. In a news release, police urged "all boaters to closely monitor weather forecasts, remain vigilant of changing atmospheric conditions, and seek safe harbor immediately when threatening weather approaches."

The outlets covering this story agreed on the core facts — the death count, the life jackets, the timeline. The New York Post emphasized the strain on holiday-weekend emergency resources; WISN highlighted the police department's own warning about weather vigilance. Neither UPI nor Live 5 News dwelled on the preparedness angle, though the facts support it plainly.

Life jackets kept the children afloat. Rescuers came. It was not enough. The question that remains — and that no agency can answer for a family — is whether different decisions about when to head for shore could have changed the outcome.