Sexual loss of intersist

Hello

my husband and i have been together for 12 years now and i have always injoyed having intercorse with him but in the last little while i have had no feelings to have sex we have had alot of things going wrong the first was a house fire on the 22 of aug 2008 second was a flood at the place we are living on the 26 of dec our nephew got bite by a dog and then hit by a van. we are living in a place that is more of a office after the fire i know i am unhappy and i just cant seem to get out of the rut i am in he feels that its him but i have told him its not and still i cant do it. everytime i try it feels as though i am being raped but i know im not but still it still feels like it

i have had a really hard life and i just feel as though i am giving up and the sex part is just part of what is going on well i hope you can help me and i hope no money will be ask for cause i dont have any well bye for now

sincerly leana