Willie and Lil Wood, 7 Cameron Street, say it is vital that an inquiry is carried out to give locals peace of mind that the same thing will not happen again.
The couple, who are both pensioners, dismiss the suggestion that the floods were an act of God and strongly believe that they could have been prevented.
When they contacted their insurance company in the aftermath of the floods they were told they had no cover due to a mix up on the internet when they had tried to renew their policy.
Mr Wood, who was in hospital undergoing open heart surgery when his home flooded, said: "This building is over 100 years old and it has not been flooded in 60 years. Flooding was the last thing on our minds before we bought the property. We do not accept that this was an act of God.
"One of the biggest causes of the excess water that was running down the street, before you even take into account that the flood gates weren't open, is that island they have built up by the Green Bridge. That, coupled with the fact that the flood gates were not opened, means that, to us, this in no way can be classed as an act of God."
Mrs Wood added: "There needs to be a public inquiry because we all need answers. When I heard what was said at the Community Council by these people it made me so angry. They are all passing the buck."
Most of the wooden flooring on the couple's home has had to be lifted, and they are currently using a de-humidifier to dry out the damp areas.
Mrs Wood said they only moved to the one level house from a staired property in New Street because of her husband's condition.
"We spent a lot of money moving into this house. We chose it because everything was finished. Tthe TV was even on the wall, and all we had to do was put our furniture in. We are lucky that we are not as badly affected as other people, but it's going to cost £1300 to replace the carpets and we've got a plumber coming in tomorrow to look at the bathroom. We don't know what we will have to do to that.
"It's like a ghost street here just now, because there are so few of us left in the buildings. A lot of people have been moved out for six months. All our money has gone into getting a lifestyle that we have worked all our lives to create and then we get hit with a flood that shouldn't have happened."
Mr and Mrs Wood also lost their car in the flood which has serious repercussions for transporting Mr Wood to his hospital appointments.
The car dealer they are with let them borrow a car for this purpose, for which they say they are very grateful.
Mrs Wood added: "Thankfully, we have a back bedroom and a shower room that wasn't damaged which Willie can use. He was in intensive care the week of the floods, and I came back on the Sunday night about 5pm from visiting him. We were flooded by 8pm. I used all my bedding, quilts, covers and towels to try and stop the water and I think that helped. I only got a flood gate at 8.30am the next day, after having to leave the house through a window."
She said: "The wall in the back garden was carried away by the River Carron and the water came up to the third step of the house. My bin and a table and chairs have all ended up in the harbour. I'm too worried to leave the house in case anything happens again. My nephew is getting married in December and I won't be going. I phoned the council about the wall and they said it was a low priority."
Mrs Wood said: "I would like to wish all those on the council, SEPA and Scottish Water who stayed high and dry throughout the floods a very happy Christmas."
Meanwhile local parliamentarians and council representatives have banded together in a bid to put pressure on the Scottish Government's Environment Minister Roseanna Cunningham to organise an inquiry.
She came under fire this week for seemingly ruling out the idea during Question Time at the Scottish Parliament when West Aberdeenshire and Kincardine Lib Dem MSP Mike Rumbles asked if she would support the establishment of a such an independent public local inquiry.
Responding, Ms Cunningham said: "The setting up of a local public inquiry would not of course be a matter for government."
Mr Rumbles said: "It is disgraceful that the Scottish Government has refused to consider establishing an independent public local inquiry for Stonehaven.
"People in Stonehaven are rightly concerned by what happened and indeed what did not happen when the flooding occurred. A public inquiry is vital if public faith in the various agencies with responsibilities for flooding is to be restored.
"The SNP have let down the people of Stonehaven by washing their hands of this matter."
West Aberdeenshire and Kincardine Conservative MSP Alex Johnstone, who first raised the idea of an inquiry, said he would be contacting the Environment Minister again and that she remained the key contact in the matter.
He said: "Roseanna Cunningham remains the key person in this and she still has an opportunity to make an appropriate decision."
Mr Johnstone stressed that an inquiry was not about apportioning blame but about finding out the exact facts of what took place.
Chairman of the Stonehaven and District Community Council David Fleming has also written to Ms Cunningham in a bid to meet to discuss the routes through which an inquiry can be established.
In his letter he stated: "The main issues driving this include the clear lack of preparedness by various organisations to handle the predictable and predicted event, the clear lack of appropriate and adequate responses by some of the organisations in the local area during the event itself, the clear lack of basic facilities to provide a suitable response once the immediate emergency has been overcome, and the strong desire in the community to find out what went wrong, to have all the available evidence examined independently, and to recommend constructive changes."
Meanwhile, local MP Sir Robert Smith added his voice to the call for an inquiry and said he had written to First Minister Alex Salmond regarding the matter.
He has also written to Finance Secretary John Swinney, asking for Scottish Government rules on emergency funding to be changed to allow Aberdeenshire Council to access new funding.
Sir Robert said: "In order to ensure that these terrible events do not occur again, it is vital to ascertain exactly what happened when the flooding occurred. I am therefore asking the Scottish Government to establish an independent public local inquiry to investigate.
"Doing so would not only ensure that we learn the lessons from recent events, but most importantly, it would restore public confidence in the various public bodies tasked with dealing with such a situation."
The leader of the Scottish Conservative Party was in Stonehaven last week to hear residents' concerns and urged the community to start a petition to make their voices heard on the matter.
Annabel Goldie, who visited the town last week as part of her Goldie Direct initiative, held an hour long question and answer session in the town hall.
Ms Goldie said: "Clearly this area has been hit significantly by the recent flooding disaster which brought misery to many people and the natural question if I was living here would be - Can we find out exactly what happened over what period of time to cause the flooding and to cause it to the extent which took place?
"Depending on the answers to these questions, then I would want to know if there were any measures that could be taken in the future that could minimise that risk."
She added: "I know there is a lot of support in the community for an inquiry, and I think a petition would demonstrate that. I think it would have a very powerful effect. Anything that demonstrates the strength of public feeling here would be helpful."