November 28, 2025 at 7:54 p.m.
Without hesitation
Firefighters told Montpelier resident Nina Osgood that if she had spent 15 more minutes in her home after a fire started at her home earlier this month, she wouldn’t be alive to tell the tale.
“That smoke was so black,” she recalled.
The children next door saved her life.
Brenna and Reece Fields and Grant Cosner rescued Nina when a fire broke out at her home around noon Nov. 1. Kailyn Fields alerted her mother, Keshia Gerber, who called emergency responders to douse the flames.
“They (were) my little heroes,” Nina said.
Family
Born and raised in Muncie, Nina returned to Indiana from Florida about a dozen years ago. Keshia, a Pennville native, works third shift at The Waters of Hartford City nursing home. Nina started taking care of Keshia’s children when she moved to town 11 years ago.
To Keshia and her children, Nina is like family. She’s been babysitting the children for as long as they can remember. Among other activities, she makes them meals, sews them clothes and attends church with them.
Kailyn Fields, 15, recalled a firefighter asking if they were related.
“I said, ‘Well, she’s been my babysitter since I was that big,’” she said, holding a hand below her waist. “‘So yes, I am family.’”
“She’s like Grandma,” said 11-year-old Reece, who reminisced about memories of sneaking over to Nina’s and asking her to make him a peanut butter and jelly sandwich.
“He wasn’t very big, he’d come over and say, ‘I’m hungry, I want something to eat, and I want to watch a movie,’” recalled Nina, drawing giggles from the family.
Fire
Brenna Fields, 8, noticed black smoke billowing out of Nina’s window along Adams Street in Montpelier around noon Nov. 1. Reece and 7-year-old cousin Grant Cosner didn’t believe Brenna until they walked into the kitchen and witnessed the fire themselves. That’s when they sprang into action with no hesitation.
“We all ran to her house, and we were yelling her name, because she was asleep,” Brenna said.
Reece recalled being the first to run out of his home and burst through Nina’s door. As flames grew from the kitchen and smoke wafted through the living room, they continued screaming for Nina.
She climbed out of bed and shouted back at the children.
“I said, ‘What do you guys want?’” she recalled. “I opened the door, it was closed, and that smoke hit me right in the face.”
Holding onto one of her dogs, Muffin, she and the children made their way out of the house.
Kailyn Fields, 15, overheard the commotion from outside her bedroom window. She thought the children were playing with Nina at first.
“I heard this big boom, and then glass break,” she said. “There was this, like, whoosh of fire, and I’m like, ‘Mom!’”
She quickly alerted Keshia, whose thoughts jumped from confusion to fear as she grabbed her phone to call emergency responders. Kailyn bolted over to Nina’s home and watched as Reece, Grant, Brenna and Nina came out of the house coughing.
“I was worried about them,” recalled Nina.
“All of us were worried about Nina,” Grant responded.
Flames licked up the side of Nina’s house as firefighters arrived, with the sheer heat melting a portion of siding near a window on Keshia’s home.
The fire flared and subsided about three times before it was fully extinguished. Nina watched outside with the children and Keshia as the fire popped and sizzled, destroying her home.
Future
Along with her house and her dogs Annie and Foxy, many of Nina’s belongings were reduced to ash. She pointed to a few items that were saved, including the urn containing the remains of her late husband, Rickey, who died in June.
The traumatic experience wasn’t easy on Nina, who has struggled to eat and sleep since the fire.
“But, God’s been taking care of me,” she said.
For four days, she recalled, she didn’t have a place to stay. Her fellow church members quickly stepped up, providing her with a temporary house in Bryant, donating toiletries, clothes and other items and providing trailers to move her belongings. Family worked with her to sort through the charred debris.
Nina talked about the support she’s had from the community as a whole. She recalled folks from across the neighborhood, including faces she didn’t recognize, arrived to help in the aftermath.
During an interview Nov. 20, the children and Nina talked about cracking a few jokes in the fire’s aftermath. Brenna remembered that prior to the accident Nina had been planning to do some housework.
“I said, ‘There’s no point (in) cleaning your house now,” Brenna said, causing Nina to erupt in laughter.
Keshia talked about her children’s heroics that day. She’s proud of how they acted without hesitation.
“I think the fact they didn’t even think twice … they just bolted to help because they have so much love for Nina,” she said. “The danger, it didn’t even cross their minds.”
And although Nina now lives about 20 minutes away, she still continues to visit and care for them as needed.
“If they need anything, they know where to come,” she added.
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