Know Risk is a community education program designed by the Australian and New Zealand Institute of Insurance and Finance (ANZIIF) to improve our understanding of insurance and how it relates to managing the many risks we all face in life.
Floods: How to Prepare
Thunderbolts and lightning are very, very frightening.
Floods are one of the most common hazards in Australia, causing millions of dollars’ worth of property damage each year. Some develop slowly and can be easier to prepare for, while others, such as flash floods, can overwhelm a town in just a few minutes. Floods can be local, impacting only on a neighbourhood or community, or very large, affecting entire river basins and multiple states. The impacts of floods can be devastating for families and businesses alike. Here you will find some information on preparing for floods, what to do during a flood and after the floodwaters recede.
Being prepared for a flood
What would you do if your property was flooded? Are you prepared?
If you live in low-lying areas, near water, in an area prone to wild storms and heavy rain, behind a levee or downstream from a dam, you need to always be prepared for flooding. Even if you live in an area with a low risk of flooding, it’s important to be prepared because anywhere it rains, it can flood.
You can use this flood warning map to see the latest rainfall and river conditions and any flood warnings that have been issued.
Having flood insurance is very important so check your policy or talk to your insurance provider to see if you’re covered.
Other ways to prepare for a flood are:
- Keep a list of emergency phone numbers on display.
- Advise neighbours of the impending flood and offer assistance when possible.
- Roll up rugs and move them to a higher level.
- Secure hazardous items.
- Monitor Bureau of Meteorology forecasts and warnings via their website or listen to your local emergency radio station or ABC Radio 891.
- Move electrical appliances to a higher level.
- Shift chemicals that may react with water to a higher level.
- Place important documents, personal effects and vital medical supplies in a waterproof case and move to a safe and easily accessible place in case you have to evacuate.
- Place furniture on beds and personal items on the furniture.
- Secure any item that may become buoyant in your yard (gas bottles, drums, timber etc.).
- Locate your pets and ensure they are safe.
- Review your home and contents insurance policy and update a list of your home's contents. You can use Insurance Tracker to help with this.