Being in the shower. During a fire drill.
It sucks and it just happened to me. I had just got done washing the shampoo out of my hair when the alarm went off. My roommate yelled to me that she would go get our keys and wait for me. I had to QUICKLY throw on my clothes while I was still soaking wet. And then stand outside of the dorm for 30 minutes with wet hair until they let us back in.
Not fun. Not even in the slightest. But I guess that's one college experience that I can officially cross off of the list now.