Natural Hazards Research Australia urges resilient rebuilding after Queensland floods

Natural Hazards Research Australia has emphasised the importance of resilience in rebuilding efforts following severe flooding in North Queensland.

The organisation advocates for measures such as stronger building codes, improved early warning systems, and, where necessary, relocation of properties from high-risk areas. However, researchers and industry leaders stressed that these efforts must be backed by sustained investment in disaster mitigation strategies to effectively reduce long-term risks.

North Queensland flood insurance claims

Since the flooding began on Jan. 29, the Insurance Council of Australia (ICA) has reported more than 5,690 insurance claims related to storm and flood damage. With some areas still underwater and access limited, claim numbers are expected to rise as conditions improve.

The disaster has also caused widespread infrastructure damage, including disruptions to roads, rail networks, power supplies, and supply chains, particularly impacting food distribution.

Research-informed strategies for risk mitigation 

North Queensland has a history of significant flood events, including one in 2019 that resulted in more than $1 billion in insured losses. Research indicated that proactive planning, improved infrastructure resilience, and community preparedness can reduce the financial and social impacts of such disasters.

Natural Hazards Research Australia identified key areas for policy and practice improvements, including: 

• warning systems – post-disaster reviews often highlight gaps in public alert systems. Queensland’s Inspector-General of Emergency Management has recommended a new, all-hazards warning strategy to enhance preparedness
• infrastructure resilience – flooding frequently affects interconnected infrastructure, causing disruptions in electricity, telecommunications, and transport. Ongoing research aims to better model these vulnerabilities and improve resilience planning
• temporary housing and relocation – the displacement of residents remains a challenge following major flood events. Collaborative research with the Social Recovery Reference Group is exploring ways to improve emergency and long-term accommodation solutions
• recovery challenges – past floods in Queensland and New South Wales have demonstrated the difficulties communities face in accessing financial support, managing clean-up efforts, and navigating insurance claims. Streamlined support services could enhance recovery outcomes

Insurers ramp up support for flood-affected policyholders

As flood-affected communities in Ingham, Cardwell, Mission Beach, Tully, and Innisfail begin recovery efforts, insurers are expanding their on-the-ground support for policyholders.

The ICA advised policyholders to document all flood-related losses by taking photographs before discarding damaged items and keeping records of affected belongings, including brand names and serial numbers where available. Homeowners are also encouraged to consult with their insurers before starting repairs, as some work may require pre-approval to ensure coverage.