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A flooded Australian street, with the tops of trees and a Slippery When Wet roadsign sticking up out of the water.
Source: Kathie Nichols/Shutterstock

Get emergency flood assistance now

Call your state or territory emergency service (SES) on 132 500 for emergency help in a flood, storm or tsunami. For a life-threatening emergency call Triple Zero (000). You can view the latest flood warnings for your area, state or territory on the Bureau of Meteorology (BoM) website.

Government services

For more information on flood preparedness, visit the government advice for your state or territory:

Detailed information about flood readiness is available from these websites. For example, the NSW State Emergency Service (NSW SES) has information for people from culturally and linguistically diverse backgrounds. Flood safety resources are also available to support people who are deaf or hard of hearing, have limited mobility, have an intellectual disability, or have a visual disability.

People with a disability can use the National Relay Service to contact state emergency services. 

How to prepare for a flood

Here are eight tips for flood preparedness to help you protect yourself and your family, as well as your home and property:

1. Find out if you’re in a flood area

You can check the Australian Government’s Flood Risk Information Portal to estimate the risk of flood for your home. It includes flood maps and studies, as well as details for surface water observations analysed with satellite imagery.

2. Check your insurance

Having sufficient insurance to meet your personal needs – including home and contents insurance and car insurance – can provide peace of mind in preparing for the wild weather that Australia throws at us.

Some home insurance policies include cover for flood damage as standard, and some require you to opt in. Even if you have coverage, though, you may not be covered for all that you think, so it can pay to review your policy documents or contact your insurance provider to confirm exactly what flood cover the policy includes. 

3. Clean up outside and inside

Secure all loose items like outdoor furniture, garden tools, and children’s toys. If you can, lock them away inside or move them to a higher, more secure position. 

As for inside:

  • Move as many items as you can to a higher position, especially chemicals, oils, and anything that could float and cause damage.
  • Roll up rugs.
  • Secure anything that could be knocked over and create a hazard in a storm surge, such as heavy bookshelves. Put smaller electrical appliances up on tables and benchtops.

4. Charge your mobile phone and other devices

Charge your phone, tablet or iPad, laptop, and any other electronic equipment fully before the flood. That way, even if the power goes out, you can still make calls and check for updates on the storm.

5. Disconnect utilities

Once your phone and devices are charged, unplug all your electrical appliances, and turn off your home’s power at the switchboard. Also turn off the gas and water.

6. Prepare an emergency kit

Some essentials for an emergency or evacuation kit include:

  • Torches
  • Battery-powered radio
  • Extra batteries
  • Clean drinking water
  • Rubber gloves
  • First aid kit
  • Medications in a waterproof bag
  • Warm clothing, bedding and pillows – plan to stay overnight if you evacuate
  • Food that won’t perish quickly
  • A camp stove for boiling water and cooking food
  • photo albums or other mementos in a waterproof bag
  • Waterproof bags.

You may also want to keep important documents ready to bring in a waterproof bag, such as:  

  • Identification e.g. driver's licence, birth certificate, passport, citizenship papers
  • Legal papers e.g. will, power of attorney, marriage certificate, adoption papers
  • Family vaccine records
  • Insurance policy numbers
  • Property records
  • Emergency phone numbers 

7. Listen for announcements

Keep your radio on and tuned to your local station so that you can hear all important information. On the BoM website, you can find current flood warnings, and rainfall and river conditions.

8. Be a good neighbour

Now that you are prepared, check that your neighbours are also; especially if they are elderly, disabled, do not speak English well or have young children.

Flood preparation during a flood

1. Be ready to evacuate

It might be too dangerous for you to stay in your home during a flood. Make sure all family members know what to do if a flood warning is issued, and what the family’s evacuation plan is. Follow all instructions local authorities give and be ready to leave if the order is given.

Don’t leave any evacuation until the last minute – you might find yourself trapped by heavy traffic, rising floodwaters, or even a storm surge. Keep your pets with you in case you need to evacuate. If it is not possible to take them with you, move them to a safer place with plenty of food and water.

2. Stay inside and move to the most elevated position in your home

If you decide not to or are unable to evacuate, ride out the worst of the storm and flooding in the part of your home that’s most likely to stay safe and dry.

3. Do not drive

If it’s flooded, forget it. Even 4WD vehicles are not designed to withstand flooding or moving waters, and a car can be quickly swept away and submerged in floodwaters, stormwaters, or debris.

4. Empty and open the fridge

Empty out your fridge and freezer, and leave the doors open so that they fill with water. It sounds weird, but if your refrigerator is left closed, it could float on the water and cause damage.

5. Sandbag the plumbing

Put sandbags in the toilet bowl and over all drain holes in the laundry, bathroom and so on. This can help prevent sewage backflow.

Flood preparation after a flood

1. Do not touch floodwater

Floodwater can be full of bacteria, so wear shoes at all times. Do not allow children to play in or near floodwaters. If you must enter floodwaters, wear long pants in a tough material, along with gumboots or other solid shoes. Check the depth and current strength of the water with a stick. Avoid going near drains or other places where the water is moving much faster. Do not drive into floodwaters of any depth.

2. Avoid electrical currents

Electrical systems may have been damaged by the floodwater and can be dangerous to operate. A qualified electrician is best placed to ensure you and your family’s safety. Avoid fallen powerlines. Powerlines can be downed in storms and have potential to be deadly. Call Triple Zero (000) to report any fallen power lines.

3. Phone your insurance provider

If you have home, contents or car insurance, contact your insurance provider as soon as possible after a flood to ensure you receive as much support as possible. 

Depending on your policy, you may be able to access 

  • temporary accommodation if you need it
  • an advance on the claim amount so you can get started on emergency repairs as soon as possible

Take as many photos as you can of all damage to your home and contents, to provide proof when you officially have to file your claim.

4. Lock up

If you’re evacuating, lock your home to prevent looters from gaining access after the flood–a contents insurance claim for theft may be denied if the door isn’t locked.

5. Watch what you eat and drink

Do not consume any food, drink, or medications that have been touched by floodwaters. Boil all drinking water until authorities have declared the mains system water safe to drink.

6. Keep lines of communication open

Check on how your neighbours have fared after a flood. Let your family know you’re okay too.

7. Rebuild with flood planning in mind

If you want to and feel it’s necessary, you may like to consider replacing carpets with hard-wearing and easily removable or cleanable materials, such as tiles or floorboards.

Mark Bristow is an experienced analyst, researcher, and producer, and was previously a Senior Finance Writer at Canstar. While primarily focused on Australian mortgage and home loan expertise, he has experience across energy, home and travel insurances. Mark has been a journalist and writer in the financial space for over 10 years, previously researching and writing commercial real estate at CoreLogic. He's also worked for the Winning Group, Expedia, and has seen articles published at Lifehacker and Business Insider. Mark has also completed RG 146 (Tier 1), making him compliant to provide general advice for general insurance products like car, home, travel and health insurance, as well as giving him knowledge of investment options such as shares, derivatives, futures, managed investments, currencies and commodities. Find Mark on Linkedin.

Important Information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.