Subjects saw storm approaching and headed back in.  Anchor was dropped from the bow to wait out storm.  Conditions worsened and waves came over bow.  Wind gust, 40+ mph.  The anchor rope was cut but it was too late and the boat sank.  The victims swam for shore ending up on a shallow shoal.  Wind chill caused hypothermia and 1 victim suffered a heart attack
Tappahannock