We solve the Klein-Gordon equation for a scalar field, in the background geometry of a dust cloud collapsing to form a black hole, everywhere in the (1+1) spacetime: that is, both inside and outside the event horizon and arbitrarily close to the curvature singularity. This allows us to determine the regularized stress tensor expectation value, everywhere in the appropriate quantum state (viz., the Unruh vacuum) of the field. We use this to study the behaviour of energy density and the flux measured in local inertial frames for the radially freely falling observer at any given event. Outside the black hole, energy density and flux lead to the standard results expected from the Hawking radiation emanating from the black hole, as the collapse ...