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What is a strategy?

A strategy is a collection of actions that if implemented together, can reduce the risk of damage during a weather event or crisis.

Providing clear, consistent information before, during and after a flood
  • Flood
  • Strategy
Giving effective, timely warnings can enable homeowners to take action.

In a flood situation, losses are often compounded by a lack of time for people to take preventative actions. With more warning, those who are going to be impacted may be able to minimise the damage and mitigate some loss. For example, occupants can store sensitive items higher in a building.

Actions

Get some sandbags to block your drains, toilet and doorways to prepare for floods.

It's important to note that:

  • sandbags at doorways will prevent slow-moving flood water 100 mm above floor level from entering your home
  • sandbags over drains and toilets can be lifted off by high pressure water from drains and sewers. 
Action Level
Home (Residential Building)
Application for
Existing houses
Timing
Preparation Immediately before and event
Considered by Insurers
Could my insurer consider this action beneficial?
No
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Could be done by a Handyperson
Part of Building
Door, Door seal

If you can’t evacuate in your car, move it to higher ground. This will reduce the chances it gets flooded or swept away.

Action Level
Home (Residential Building)
Application for
Existing houses
Timing
Preparation Immediately before and event
Considered by Insurers
Could my insurer consider this action beneficial?
No
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Could be done by a Handyperson

If a flood is approaching you should store important items as high as possible. This includes moving them upstairs or placing them on tables.

You should identify what items you want to elevate when creating your flood preparation plan. This could include items such as photos, passports and important documents. It could also include water-sensitive items such as laptops, books, etc.

Action Level
Home (Residential Building)
Application for
Existing houses
Timing
Preparation Immediately before and event
Considered by Insurers
Could my insurer consider this action beneficial?
No
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
No
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Could be done by a Handyperson

If you receive a flood warning ahead of time, you can decide what decisions to make to protect yourself, your loved ones, and your home.

With notice, you may have time to undertake tasks to minimise damage to your property. This will still give you time to evacuate.

If you do not have time to prepare, your first consideration should always be safety. If you need to evacuate you should do so immediately.

Action Level
Government
Application for
Community
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
Unknown
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
NA
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Medium
Implementation
Minor capital works by Government Agency
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