Get another iPhone. Install PhotoCocoon. Sign in. Restore. That is the whole plan. Originals come home with the dates they were taken.
Stolen
Erase the device with Find My if you can. The street should not get the holiday. Then restore on the next handset.
Water
Do not wait for rice. Power off if it still is on. New phone when you can. The backup does not live in the handset you dropped.
If you had not backed up yet
We cannot invent files we never received. That is why the widget exists — so this day is not a surprise. Put the next phone on Wi‑Fi tonight.
Related: Restore · New iPhone · Backup
$12 / year for 100 GB. $20 / year for 1 TB. Paid in the iPhone app.