Crossword Genius

Violent floods disrupting calm is when unsuspecting victims are caught out (3,5,3)

Ross

I believe the answer is:

all fools' day

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'when unsuspecting victims are caught out' is the definition.
I can't tell whether this defines the answer.

'violent floods disrupting calm' is the wordplay.
'violent' indicates anagramming the letters.
'disrupting' indicates putting letters inside (inside letters 'disrupt' the flow of outside one).
'calm' becomes 'allay' (I've seen this before).
'floods' with letters rearranged gives 'foolsd'.
'foolsd' placed within 'allay' is 'ALL FOOLS' DAY'.

'is' acts as a link.

Can you help me to learn more?

I've seen this clue in The Telegraph.
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