Flood
Page last updated:2 May 2025
What is a flood?
To put it simply flooding is water where it is not wanted.
In November 2011, the Australian Government introduced a standard definition of flood for certain insurance policies. For this purpose a flood is defined as:
The covering of normally dry land by water that has escaped or been released from the normal confines of: any lake, or any river, creek or other natural watercourse, whether or not altered or modified; or any reservoir, canal, or dam.
Floods can have both positive and negative impacts. They can bring welcome relief for people and ecosystems suffering from prolonged drought, they deposit fertile sediment on agricultural land, but also are estimated to be the most costly natural disaster in Australia.
Flooding at Oonoonba State School, Townsville Queensland 2019. Image from Wikimedia commons.
Why do floods occur?
Flooding occurs most commonly from heavy rainfall when natural watercourses do not have the capacity to carry excess water. However, floods are not always caused by heavy rainfall. In coastal areas, water inundation can be caused by a storm surge as a result of a tropical cyclone, a tsunami or a high tide coinciding with higher than normal river levels. If a dam fails, triggered for example by an earthquake, the downstream area will flood, even in dry weather conditions.
Factors which can contribute to flooding include:
- volume, spatial distribution, intensity and duration of rainfall over a catchment
- the capacity of the watercourse or stream network to carry runoff
- catchment and weather conditions before rainfall
- ground cover
- topography
- tidal influences.
Where do floods occur in Australia?
Riverine flooding occurs in relatively low-lying areas adjacent to streams and rivers. In the extensive flat inland regions of Australia, floods may spread over thousands of square kilometres and last several weeks, with flood warnings sometimes issued months in advance. In the mountain and coastal regions of Australia, flooding can happen rapidly with a warning of only a few hours in some cases.
The Great Dividing Range which extends along the length of eastern Australia provides a natural separation between the longer and slower westerly flowing rivers and the shorter, faster easterly flowing coastal rivers. In some cases, natural blockages at river mouths, including storm surge and high tides, can also cause localised flooding of estuaries and coastal lake systems.
2022 Flooding in Tweed Heads NSW. Image from maps.dea.gov.au
Flash flooding, otherwise known as overland flooding, can occur almost anywhere there is a relatively short, intense burst of rainfall such as during a thunderstorm. As a result, the drainage system has insufficient capacity or time to cope with the downpour. Although flash floods are generally localised, they pose a significant threat because of their unpredictability and normally short duration.
Just because an area has not flooded in the past, does not mean it will not flood in future. Similarly, just because an area flooded during one event, does not mean that it will necessarily flood during the next one.
The Bureau of Meteorology maintains the which contains up-to-date rainfall and river information for all catchments within Australia.
According to the Insurance Council of Australia, the floods that impacted South-East Queensland and coastal New South Wales in February and March of 2022 are estimated to be Australia’s costliest flood ever. More than 240,000 insurance claims were lodged with an incurred cost of more than A$6.0 billion. Between 1967 and 2013, the average direct annual cost of flooding has been estimated at A$943 million (excluding the cost of deaths and injuries).
Flooding damage to houses. Images from Ken Dale.
Flooding damage to houses. Images from Ken Dale.
Our role
Reducing risk to Australians from flood
女女视频is committed to support Australia's capability to manage the impact of natural hazards, including flood. Our teams:
- develop an understanding of natural hazards and community exposure to support risk mitigation and community resilience
- provide authoritative, independent information and advice to the Australian Government and other stakeholders to support risk mitigation and community resilience
- maintain and improve systems for effective natural disaster preparedness, response and recovery
- contribute to Australia's overseas development program.
In particular, we:
- provide a central access point for stakeholders to share flood information through the
- provide the national access point for public good satellite data, which enables us to provide satellite imagery and derived flood extent products
- support Australia’s National Emergency Management Agency to understand what is exposed to floods before, during and after events
- develop national-scale datasets that support the understanding of flood hazard and risk
- increase the national flood guidance available to support the development of consistent and robust flood studies and risk assessments through mechanisms such as the revision of , which is hosted by 女女视频for users
- collaborate nationally to enhance flood hazard, impact and risk tools and models
- conduct post-disaster surveys to understand how flood impacts the built environment
- develop vulnerability models for assessing flood damage and how mitigation efforts may reduce damage
- undertake research into household and business resilience to flood.
To learn more about our work, access our latest data or hazard assessment tools, visit the Community Safety page.