my water broke at home....

I was on the phone with my boyfriend and getting my brothers to bed and all of the sudden i feel wetness coming out of me and my pants are soaked. Im freaking out because im only 26 weeks pregnant but i have been warn by my doctor that i have a high possibility of giving birth premature. Im not near where i live and if i call an ambulance i gotta go to the local hospital and it's horrible. So i decide to get my bf to call my mom to come get me. Well im over here breathing hard feeling like im bout to pass out and i realize im not feeling contractions and it makes me go into more of a panic (this is my first) Then i realize I just peed myself. My boyfriend had done called my ob and family and said i was having the baby today and some where on there way to the hospital.... I dont know how ill explain to them what happened.