Does she see: caskets? Yes! Pictures? Text? No to these
Has she done anything wrong? No
Is a living person knocking at the door? No! Are animals relevant? No
Is there a flood? YES Are caskets floating around knocking agains her house, as she flees the rising water? YES
Are the shouters there to rescue her? YES Hurt her?
There are a couple of details that could be ironed out, but you basically have it, so I'll go ahead to the...
The woman is caught in her house during a flood in Louisiana. In parts of the state (New Orleans mainly, I believe), the caskets aren't buried six feet under because of a high water table, but are either placed above ground in vaults, or are buried only three-fourths underground, with the lid above ground. Because of this, during a flood, the caskets, which are sealed, can become buoyant and float away. This happened as recently as last summer, where you can see pictures of caskets floating down the street.
In our story, the woman wakes up and hears banging at her door downstairs. She opens the window and looks down to see her yard covered in water, and caskets that have drifted in from the nearby cemetery and collided with her house, including one she recognizes as belonging to her deceased grandmother. So she flips the breaker, cutting off power to the house to avoid risk of electrocution, and stays upstairs to avoid the flood-waters coming into the ground floor. Later, she hears the caskets knocking near her second-story window, which signals to her that the water level has risen significantly, so she climbs to her attic and waits there. Early the next morning, she hears the calls of a rescue team sweeping the area for survivors, so she climbs out the attic window to be rescued.
Thanks to those who participated in this strange puzzle, and congrats to GalFisk for the putting the final pieces in place.