"The Blizzard be strong outside, lads; settle yehself in and breathe the steam; we'll pass the time with a story."
An ancient shrine of a mischievous goddess. The proper offering will give you her blessing, but 'ware you don't feed her wrong!
Rain slowly builds, thunder and lightning continue to roll in. Road muddies, horse/wagon getting stuck in the mud. Thunder strikes coinciding with a deep hole a horse just walked in, horse panics, breaks its leg (maybe just sprain?). Horse is decompacitated and the rain just went from pouring to an all out monsoon. Shelter needs to be found, horse needs to be taken care of, covered in mud, add the posibility of items being lost to the confusion with the wind and dealing with spooked animals.