The Global Mail has ceased operations.
From The Vaults
<p>Photo by Patrick Hamilton</p>

Photo by Patrick Hamilton

Katie Melton: Last year’s flood waters reached almost to the roof.

The Truth Is In The Flood Maps

Rising floodwaters cut off roads and towns, Queensland emergency services again in rescue mode. Here’s TGM’s investigation into the insurance company flood maps.


When Katie Melton opened a letter from her insurance company six weeks ago and read how much she’d have to pay to insure her Queensland home this year, the 29-year-old, stay-at-home mother was stunned.

“I cried,” she chuckles, a bit embarrassed by her reaction. “I was devastated. I rang them up and cried, but they couldn’t do anything for me.”

The house and contents insurance on her home at Karalee, a suburb near Ipswich in the southwest of the state, had increased from about $800 last year to $2,800.

“Who can afford $3,000 a year for insurance? It’s ridiculous,” she says.

About $1,400 of that premium was the cost of covering the house and contents for risk of flood damage. And Katie and her husband, Christian, know they need flood insurance. In January 2011, their two-storey home flooded to its roofline, which caused $90,000 worth of damage that was not covered by their previous policy.

When Katie started ringing around to find a better price, the news only got worse.

The very next call produced a quote for $7,000. That would have put quite a dent in Christian’s take-home pay as an electrician.

Soon, however, paying that sort of premium might seem like a pretty good deal for families living in flood-prone areas of coastal Australia, or in our fertile river basins.

“I cried. I was devastated. I rang them up and cried but they couldn’t do anything for me.”

In the past few months, stung by the backlash from customers who discovered after the recent floods that their policies didn’t include damage by flood disaster, a majority of insurers have begun to offer flood cover as a standard item in house and contents insurance, along with the basics of fire and theft. At the end of 2006, about 3 per cent of Australians were covered for flood, according to the Insurance Council of Australia; by the end of 2012, 85 per cent of policies will have flood coverage.

In order to offer that breadth of coverage, the insurance companies have had to commission detailed flood maps showing exactly who is vulnerable to flooding, how badly their properties are likely to flood and how often the greater your risk, the higher your premium.

Getting that data together and pricing the risk has consumed the industry for the past year and a half. It’s been a boom time for cartographers as they undertook the biggest charting exercise in a generation.

Street by street, these mapmakers have set about measuring the height of every square kilometre of land in our cities and major towns, nationwide. They’ve used satellite images to do it, they’ve sent out a squadron of light planes armed with radar and cameras, and they’ve employed highly sophisticated computer modelling.

The maps they have produced are forensic documents.

Not only are they more detailed than anything drawn up by government, they are in many areas the first flood maps ever produced. At the time of last year’s devastating floods in Queensland — some 168 years after Ludwig Leichhardt began his expeditions of discovery through there — two-thirds of that state had never been mapped for flood.

Now, in their glass-and-steel corporate offices, insurance executives are able to unfurl charts pinpointing individual properties, with a rainbow of colour-coded dots identifying the various levels of risk.

The Global Mail viewed half a dozen of these highly commercially sensitive flood maps. And one industry source, who asked not to be named in this story, has taken the extraordinary step of releasing two flood maps to The Global Mail for publication. For the first time, we can see exactly what the insurers see.

Two things strike you when you look at these maps: the vulnerability of so many Australian householders, and the towering stupidity of the local and state governments, which blithely approved such development.

The scale of the problem leaps out from these documents in the form of dense patches of overlapping red dots—highlighting the homes at highest risk—covering whole neighbourhoods in coastal and river towns. What’s not so obvious is that many of the cheaper housing estates were built in low-lying areas.

It’s staggering to realise that — as a result of this detailed mapping — the insurance companies have a far better idea which properties face the danger of flooding than the occupants do.

<p>Photo by Patrick Hamilton</p>

Photo by Patrick Hamilton

Katie and Christian Melton with son, Hamish.

Almost an entire housing estate in Tweed Heads, on the New South Wales Tweed Coast, is inundated with red dots, as is much of the historic New South Wales coastal town of Ballina. The inland Queensland township of Roma is the same, but in Roma’s case, it’s not news to residents; they’ve been flooded three times in three years. Another bad risk lies in the Sunshine Coast hinterland amid those “back-of–the-dunes” housing estates. God help them if it’s raining and there’s a king tide at the same time.

Built very close to the coast or major waterways, none of these towns has enough flood mitigation – that is, levees or dams – to hold back rising waters. And, by and large, local councils in such areas have not dictated strict building standards to protect home owners against the effects of the almost inevitable floods. You might conclude some of these houses should never have been built at all.

All over eastern Australia, people like Katie and Christian are now trapped.

Their homes — about 450,000 houses, along with 100,000 home units — are among the dwellings afflicted with red dots. It’s as if these homes have been quarantined with a cruel and chronic illness. With the value of their flood-affected properties way down, the owners can’t afford to sell. But soaring insurance premiums make it very expensive for them to stay.

“We thought we were buying a house in a good area,” says Katie, explaining that they were told the catastrophic floods that occurred in 1974 — the largest of the 20th century, which flooded 8,000 homes in Brisbane alone — only inundated the yard of their home, not the house itself. “The house wasn’t cheap when we bought it. We bought an acre, and our land value has gone down substantially. At least $100,000.”

While Katie was surprised to learn her house has been deemed so vulnerable to flooding, the insurance industry is awash with such newfound knowledge. After their frantic year of map-making and risk assessment, insurers are ready to show us what they know and many of us still don’t: how many Australian homes and businesses lie in the path of potential future water damage.

“It’s a nonsense” – The flood fiasco

“Let me give you a statistic,” says Andy Cornish, chief executive of direct insurance at IAG, the parent company of NRMA insurance.

As he sits in a meeting room on the 24th floor of IAG's Sydney corporate offices, he reaches for a briefing paper, which compares the amount spent to prevent floods in Australia with the enormous cost of mopping them up.

“We’ve probably built houses in the wrong spots.”

“Thirty-odd million,” he says. “[That’s] what the government spends on mitigation every year.”

(In fact, a Productivity Commission report shows annual federal government spending on disaster mitigation has fallen to just $26 million dollars in 2010-11. There was no additional money for flood mitigation in the 2012 federal budget, either.)

“Yet they provide these massive amounts of handouts in emergency payments after [a flood].” He says the total figure for all emergency assistance to Australians since December 2010 is in excess of $800 million.

“That,” Cornish says bluntly, is “a nonsense”.

When Cornish first came to Australia from the UK in 2009, the issue of flood was barely on the Australian agenda. Like most insurance companies, he says, his didn’t automatically offer flood insurance across Australia as part of its standard policies because they had never been able to gather the data needed to calculate the precise risk of flood in every part of the country. And, after about a decade of drought, it wasn’t as if the customers were complaining. As people struggled with water restrictions in their cities and towns, it’s fair to say most didn’t see the value in expensive flood insurance.

Then the drought broke. A series of flood or near-flood events up and down the east coast culminated in the disastrous Queensland floods of late 2010 to early 2011. So many insurance companies and their clients were caught out, and caught up in trying to minimise their losses.

When claims were not paid, customers railed against the reasoning of companies. The distinction insurers drew between flash flooding (that’s water coming down from the sky) and what they call riverine flooding (water rising up from rivers and creeks) drew particular ire.

“The absence [of comprehensive flood cover] was something that I considered completely unacceptable,” says Cornish, a sentiment that was shared by the federal government which held an inquiry late last year into how to “fix” flood insurance. (Legislation is now before the Federal Parliament to create a standard definition of flood and require insurers to send policyholders a statement of key facts, clearly indicating what is and isn’t covered by their policies.)

“I made it our number one priority to be able to provide flood cover protection for consumers in Australia and I changed the priorities of the organisation to focus on protecting consumers with flood cover and giving a flood premium to everybody,” says Cornish.

<p>Photo by Dave Hunt/AAP</p>

Photo by Dave Hunt/AAP

The town of Ipswich, west of Brisbane, on January 12, 2011

That wasn’t going to be as easy as it might have seemed to the English boss.

For many years, insurance companies have struggled to get local councils to release their flood maps. The Insurance Council of Australia began gathering what there was from local councils as early as 2006, to put together a National Flood Information Database. It took about a week to get the data from Western Australia, South Australia and Victoria. New South Wales took longer, and Queensland stonewalled, perhaps because at least two-thirds of the local government areas in these states had never been charted for flood. (It seems that after the young Prussian Ludwig Leichhardt disappeared on his final expedition, no-one had followed up with more detailed ground work.)

The Queensland floods in the summer of 2010/11 changed everything. By the time the Brisbane mud army had mobilised — those thousands of volunteer citizens who helped clean up the River City — councils, particularly those in Queensland, were rethinking their approach.

“We were able to get the data much more easily,” says Cornish.

Had the councils been deliberately withholding information in the past? “I wouldn’t want to suggest anything. The facts are that … we were able to get hold of information that in the past had been a little tricky to get hold of, for whatever reason.”

Armed with as many maps as were available — detailed for some places, out of date for others – the NRMA spent millions of dollars scrambling to fill in the gaps and have maps made of uncharted territory. It then translated the data about floods in different areas into the pricing of flood cover for its three million customers.

Its competitors were doing the same: each racing to produce more accurate maps than their rivals because they knew to underestimate the risk would mean they could be out of pocket by hundreds of millions of dollars in damages claims. To overestimate the risk, would mean their premiums would be uncompetitive.

In January this year, the NRMA started mailing out the new premiums.

Flood coverage would now become a standard part of NRMA’s home and contents policies and most customers would not be able to opt out of such coverage, even if it was expensive, as Cornish explains.

“Affordability is a massive issue for people in high risk areas.”

“[In the past] customers felt they were protected [against the cost of flood damage] by storm cover. But storm [cover] only protects them in part from water damage. And the confusion that’s created in the past has been unhelpful,” he says. “It’s absolutely essential that there is certainty. It’s a commercial decision that I’ve taken that there be no ambiguity.”

Many other leading insurers have done the same thing. For example, Suncorp, which led the industry by offering flood coverage as standard from 2006, also doesn’t allow customers to opt-out of its brand-name product, Suncorp Insurance.

This has resulted in significant price increases for householders, businesses and industries occupying the seven per cent of Australian land which the Insurance Council of Australia estimates is exposed to some level of flood risk. Hardest hit are those who live or make their living on that 2.8 per cent of land that is severely flood prone.

The specific increases come on top of general increases in insurance premiums, as a result of the large number of natural disasters in the Asia-Pacific region in 2011. Between New Zealand’s earthquake, Thailand’s floods, Japan’s tsunami and Australia’s $5 billion horror year of floods, bushfires, cyclones and hailstorms, re-insurance for the local insurance companies – that’s the cost of insuring the insurers themselves against big losses – has increased significantly.

Cornish cautiously admits that the resulting premium increases have left some customers “surprised”.

He says 96 per cent of NRMA’s Queensland customers will receive flood cover for less than $200. “Those that have got no flood risk aren’t charged for it. They’ll be charged zero,” he says. But one per cent will be paying a premium above $1,000, and 0.3 per cent will see premiums at or above $3,000.

“I think the community has been aware that they have got a potential flood risk, but perhaps they’ve been surprised at the severity of that risk. And so in some states [they’ve been] surprised at the level of premiums we’ve had to charge them.”

Figure 1

A look at the maps

All the insurance companies The Global Mail spoke to for this story were reluctant to release the flood maps that inform their premiums. No-one, it seems, wants to risk their competitors discovering what they’ve discovered.

The two maps The Global Mail has been given were drawn up by a major national insurance company and they show the level of flood risk in two areas in Queensland.

When you look at them you see precisely who is at risk and who isn’t.

“It just highlights the extent to which we’ve probably built houses in the wrong spots,” says the industry insider who gave us the maps. “Everything’s easy in hindsight, but there are houses here that have fairly significant exposures, and that’s the reality for us. We’ve built them there.”

The map in Figure 1 shows the flood risk for the long-established Brisbane suburbs of Kelvin Grove in the inner west, moving along the River to Hamilton and Bulimba in the east – all areas affected by last year’s flood.

The scariest parts of the maps are shaded blue, and show the probable points of maximum flood. While no insurance companies are prepared to discuss whether they factor in the likely impact of climate change, rising sea levels or more extreme weather events, these new maps gives them the capacity to do so.

“We’re certainly looking much more at what we think the risk exposures are around water and water damage,” says the industry expert. “Increasingly, if we see more and more weather events — whether they’re driven by climate change or not — [these] will be factored into the costs of providing insurance. No,” he says, correcting himself. More extreme weather events “are being factored in to the cost of providing insurance.”

As mentioned before, the red dots on the maps indicate the most vulnerable properties. More specifically, the red dots show those that would go under in a one-in-20-year flood. Not every property is covered on each map; indications are confined to the areas in which this national insurer has policyholders. Yellow dots represent those properties at risk during a 1-in-20- to 1-in-100-year flood event.

The green dots represent those which would be at risk only from a one-in-100-year flood. And while the odds for those properties marked with green dots might seem pretty good, keep in mind that a one-in-100-year event describes an average occurrence; for example, Brisbane has had two such floods since the early 1970s. To put it another way, a green dot means those properties have a 1 per cent chance of flooding in any year.

“Who can afford $3,000 a year for insurance? It’s ridiculous.”

“Mother Nature being Mother Nature, that [one-per-cent event] can happen any time,” says the industry expert. “You can have three once-in-a-lifetime storm events in three years. That’s a reality,” explains our source.

These maps put paid to the notion of the “Wivenhoe effect” — the idea that the construction of the Wivenhoe Dam in 1984 protected southeast Queensland from future flood events.

“The perception [in Brisbane] was [the risk of flood] was all fixed with Wivenhoe. But what’s evident is, if Wivenhoe fills up, the water’s got nowhere to go. You have to let it out. And in that rain event, in those circumstances, Wivenhoe wasn’t sufficient mitigation. That’s what it showed.

“So when the big events hit, the really big events hit, it tests and highlights the decisions you’ve made about how much mitigation to invest in. Every time you make those decisions, you’re rolling the dice around your ability to mitigate the event,” he says.

How then do insurers figure out how much to charge to protect properties marked with red dots?

Once again, our industry expert explains: “Insurance companies are looking at the price based on the likelihood that they think the property is going to flood and how bad they think the damage will be when it floods.

“So, at the risk of gross over-simplification, you form a view about the likelihood of a one-in-20, one-in-50, one-in-100 flood event. Then you work out how high is the flood going to go relative to the property — what the maximum height will be. For instance, it might only flood to half a metre, versus three metres. That’s a completely different level of damage. And that gives you some clues as to the cost of the damage associated with that height will be. Those two things are reflected in the cost [of the premium].

“If it’s a one-in-a-hundred-year event, you want to get one per cent of the [likely cost of damage caused by a flood] back every year [in premiums],” he says. “A one-in-20- year event, you want to get five per cent back.”

What’s clear from these calculations is that insurance companies are no longer spreading the cost of covering risky customers across their whole customer base: people living on the hill are not subsidising those living down beside the creek.

“Families want a competitive price,” says our source, “and they’re not prepared to subsidise other people. [They ask] ‘Why would I subsidise someone else?’”

Now, look at the next map, Figure 2 — showing lower socioeconomic areas around the Bremer River near Ipswich — and it becomes obvious that often the people who most need flood insurance who’ll be least able to afford it.

It’s an issue that concerns NRMA’s Andy Cornish.

“Affordability is a massive issue for these people in high-risk areas. Does it mean there’s a failure of the insurance industry? No. Does it mean that society needs to do something about it? Yeah. There has got to be a community responsibility for that, because we can’t ignore the risks these people are under.”

Figure 2

Stuck in suburbia

Katie and Christian Melton think the Government should buy back houses like theirs, given they were not adequately warned of the flood risk when they bought it.

But they’re not counting on that.

After five weeks spent calling around insurance companies, Katie realized the initial quote for $2,800 was the cheapest on offer. So, they’ve opted instead to insure just their house (the building alone) for flood, at a cost of $1,600. And they’ve started saving to buy a new home, Katie says, somewhere “high and dry”. In the meantime, they’ve also thought through a strategy for how they’d save their possessions should the river break its banks again.

“Yes, we’ve thought about it. We’d get everything out we possibly could. The hard thing with a flood is that you couldn’t use a ute because it would be raining and everything would just get wrecked anyway. We’d have to get our hands on a truck.”

With those sorts of conversations going on in Australia’s suburban living rooms, Andy Cornish says it’s time all Australian governments finally tackled with the vexed issue of flood risk.

“My fear is that this is a problem that might diminish as we go into further dry seasons. This is something that will be forgotten in 12 to 18 months time unless we decide to do something about it now.”

Disclosure: Ellen Fanning first met Andy Cornish at an internal NRMA staff event in 2010, at which she acted as master of ceremonies.

PART TWO: Why “fixing floods” is so difficult. As one big insurer puts an embargo on flood-prone towns, we detail the extraordinary efforts of 35 mapmakers in Queensland, who have undertaken the biggest mapping exercise in a generation to chart the risk of flood in the sub-tropical north. And a former politician warns: It’s people who live in flood zones — and who are worried about their property values — who don’t want this information made public.

18 comments on this story
by Bruce

If a house was to suffer $200 000 damage from floods every 50 years, that works out at an average of $4000 per year. As well as this the insurance company has to provide protection against burglary, fire, cyclones, appliance leakages etc plus they have the costs of running a company. It is no wonder that it will be expensive to insure houses on flood plains with red dots.

May 17, 2012 @ 9:12am
by Jolyon

Thank you for this excellent piece, which raises again many issues that have concerned me ever since I bought my first house in Sherwood, Brisbane in 1966.
Firstly, Many local councils across Australia have bowed to various pressures and allowed houses to be built in situations known to be dangerous.
Secondly, Contour maps and the Australian Height Datum information have been available for many years. The insurance companies have known about these risks and so avoided covering for flood damage, as you say.
Thirdly, Maps only give a static picture of what might happen. The dynamics of a flood surge moving down a river depend on many other factors, such as build-up of debris, land clearing, existence of bridges and other obstructions, etc, as well as the precise position of the rainfall event.
Fourthly, Is there any discussion of insurance premium reductions for people prudent enough to check the flood history before buying a property?

May 17, 2012 @ 9:31am
by Bruce

We are located on a property in Far North Queensland where there is no flod risk. A few months ago we received our house and contents premium notice. It jumped from $1288 t0 $2004, up 56%!. I contacted my insurer and asked Why. "Because of the floods in Queensland," was the response. But there is no flood risk where we are! Tough! Seems like we are paying a flood premium!
We are retirees and have decided to downsize. We are in a small town which has some flood prone areas.Will maps be made available for the public which identify flood risk prone areas similar to what the insurance companies are developing?

May 17, 2012 @ 12:27pm
by Robert

The (RAAF) we lived in in Ipswich was almost completely submerged in the 1974 floods and there were markers on many telegraph polls showing the height of the 74 floods. To buy one of these properties without doing proper research and then complaining when it is flood affected is just stupid.

The Council where I live at the moment (Central Coast of NSW) has detailed flood information on the section 149 certificate required to be provided with the contract of sale. They also have very strict restrictions and requirements for building in flood prone areas around the lake and on Wyong River.

So do your research or pay the higher premiums

May 17, 2012 @ 3:23pm
by 2353

Real Estate agencies are also culpable in the Brisbane area for claiming Wivenhoe Dam would fix everything. We both lived in Brisbane through the 74 flood and when we chose to purchase a home in a suburb we knew that was partly flood affected we asked the question of a number of local agents trying to sell us a property.

Most of them claimed to know nothing about a flood in 74, some of the few that did know about 74 claimed that Wivenhoe had fixed the problem - which brought laughter from us. One agent then asked if I was an engineer ("No, why would you ask that" I say). Or the engineers are the only ones that laugh when I tell purchasers that Wivenhoe will stop flooding she happily states.

For the record, she didn't get the sale and our house didn't flood in 74 or 2011.

May 17, 2012 @ 6:36pm
by Peter

Having worked for 11 years in the water industry, and growing up in the Wimmera and on the Murray River perhaps I have a heightened sensitivity to the probability of flooding. So much so that it has always been a consideration whenever I have purchased a home.

You don't need to be all that smart to assess this risk yourself - in most instances. Insurance companies have for a long time not bothered because customers are only interested in minimizing their costs and the industry has obliged. The squeals arise when customers find that in pursuit of minimizing costs, including the cost of their homes, they discover that flooding is a reality that they have not seriously considered.

However, our city planners also have much to answer for here. In Melbourne developers have been allowed to develop estates on Kooreewup Swamp. Hardly surprising that homes were flooded there last year. There are many areas around Melbourne similarly exposed. How many people are aware that in the 1930's much of South Melbourne was under water! This is now a yuppy suburb - I bet most of the residents don't have flood insurance.

It is probably a good thing the insurance companies are doing. At least then insurance costs will drive home the risk. Better still they are making those at risk pay, and not requiring those of us who have considered this risk subsidise the foolhardy!

May 17, 2012 @ 9:09pm
by Paula

Great piece. I am on the same page and have been researching this topic for the past year. Feel free to have a look at my article submitted to the Government following its latest consultation on the NDIR recommendations. Its available at http://www.treasury.gov.au/~/media/Treasury/Consultations%20and%20Reviews/2011/Reforming%20Flood%20Insurance%20A%20Proposal%20to%20Improve%20Availability%20and%20Transparency/Submissions/PDF/Paula%20Claudianos.ashx

May 17, 2012 @ 10:28pm
by Carolyn

All our family checked the Brisbane flood maps before we bought! This city has flooded before and will flood again. I had to pay an increase of 25% for my insurance on a house that isn't in danger of flooding. I do object to paying for those who bought in the wrong area. Please, stop blaming others and do your homework before you buy.

May 18, 2012 @ 12:17pm
by Nick

While I am sympathetic to those incurring huge increases in their insurance premium to cover the risk of flooding, this additional cost is offset by the reduced house price compared to similar properties in the area which aren't subject to the same risk of flooding. Making the (heroic!) assumption that humans are entirely rational, the house price reduction should be equal to the (near infinite) series of future annual insurance premiums discounted at an appropriate hurdle rate (say 5%), plus an additional margin for the inconvenient caused by flooding.

IMHO blaming the insurance companies for more accurately pricing the risk is misguided, as they aren't responsible for the decision to build in the area or the lack of mitigation efforts. Unfortunately large premium increases do increase the likelihood of owners in high-risk areas not paying for flood insurance and relying on governments for financial relief when disaster strikes, which is a moral hazard issue that will need to be tackled if flooding becomes more frequent.

May 18, 2012 @ 3:14pm
by D

Where are the councillors and developers who allowed these areas to be built on when local people knew that these areas were flood plains? The developers made their money and moved on to the next area. While the uninformed householders and the taxpayers via the government paid the price?

May 19, 2012 @ 11:12am
by Shaun

I agree with a couple of the other comments. We moved to Brisbane in the late 90's, 25 years after the '74 floods, we were looking to buy in the Yaronga area and wondered why some of the houses were cheaper than expected, the real estate agent replied that they were probably flooded in the '74 flood but before the Wivenhoe dam was built. The inference being that they weren't at risk now but a little bit of research found that there was no guarantee that the dam would make any difference. Needless to say we didn't buy one of the "cheaper" houses, which no doubt now don't look so inexpensive...

May 20, 2012 @ 11:51am
by Tony

Ms Fanning

I have been a little surprised that, in all the reporting on the Flood Inquiry, there has been no mention of the fact that in about 2002, the State Government proposed establishing a State Flood Risk Management Policy. Unfortunately, presumably because the drought was in full swing, the Government did not see any reason to proceed with establishment of the Policy and all that it entailed. If it had done so, it would have addressed many of the issues identified by the Flood Enquiry and put us ten years ahead in implementing a number of the recommendations of the Enquiry (which funnily enough match the significant elements of the Policy – perhaps because it is fairly obvious what needs to be done).

The draft Policy placed a deal of importance on the preparation and ready public availability of flood information including mapping, so that people could make well-informed decisions when developing or purchasing land, houses etc. The Policy required local governments to prepare flood management plans, whilst giving them protection from liability if they met their defined responsibilities. The draft policy also required the State Government to collect and collate flood data and to monitor the implementation of local governments’ flood management plans.

Whilst the Flood Commission of Inquiry’s recommendations reflect much of what was proposed, it fails to identify the biggest issue hindering better flood risk management in this State. That is, making ONE government department responsible for ensuring all flood issues are addressed, now and into the future. We need to get away from the fragmented approach which evolved through incessant changes in the make-up of government departments over the last 20 years or so, and appears to be continuing under the new LNP government. Whilst “Can-Do” has committed his government to implementing all of the Commission’s recommendations, he appears to have ignored the fundamental problem – the lack of focus for flood risk management within the state bureaucracy.

What is required is to make one state agency responsible for flood policy and flood risk management planning for the long term - not just as a 1st 100 days (political?) reaction to a bunch of recommendations. This would enable all aspects of flood risk management to be addressed in a co-ordinated and holistic fashion, aspects such as flood studies, risk assessments, flood management planning, mapping, information availability and mitigation works.

Campbell Newman should be asked whether his response to the Flood Commission of Inquiry recommendations will result in any lasting change, or will we back here investigating what went wrong in another 37 Years.

May 28, 2012 @ 9:29am
by Robert

It's great to see information without the colourful language of the tabloid press.

Flood is a problem and it's not the fault of the insurance companies that they need to charge a high price to cover it.

Home buyers need to accept responsibility for their decisions - where to live and whether to insure. The developers and local councils should be prosecuted over any misrepresentations or shady deals that have led to this idiot situation

October 31, 2012 @ 11:12am
by Paul J

I have lived in the Wyong shire on the NSW Central Coast for the last 13 years, having insured my home the entire time without making a claim on the insurance company. Just last Friday I recieve a letter from this company indicating that our premium will increase from $114.11 per month to $1,160.88 per month due to revised data being collected, even during the 2004 and 2007 local floods ours and the properties around us did not see any flood or exess storm water damage, the companies have indicated that they need to cover themselves against the 'Risk', I wonder even if I could afford to pay the premium, which I can't, would they give us a rebate if there was no natural disasters over a given period of time? I think not.

January 15, 2013 @ 11:39am
by Roger Farquhar

Developer Geoff McCloy didnt like the revised maps, ran an anti climate change campaign and became Lord Mayor of Newcastle http://www.theherald.com.au/story/442568/debate-rises-on-sea-levels-as-mccloy-brings-in-experts/

In a user pays society you get what you pay for.

People need to see that it is their problem and not seek to blame others.

January 29, 2013 @ 11:27pm
Show previous 15 comments
by Anthony

The truth hurts, really hurts. Any reasonable person will understand the pain of the event, and then the followup of reduced assett values. But the truth in property is position, position. The bad positions have too be identified, so other generations of buyers don't make the same mistakes. The governments role is to verify accurate maps, stop building permissions in prone areas, that is the minimum that they can do. I really feel for the people caught by this double whammy.

February 1, 2013 @ 12:57am
by andy

How do you actually find a map showing you possible floods? I checked on line and found readily available for USA and UK, but besides a few in WA nothing here.

February 3, 2013 @ 5:51pm
by Help Australias

I have been living in thailand the last 7 years.
Thai King permits Queensland, Australia, to use His Artificial Rainmaking Technology!!!!!!!!!!!!!!!!!!!!!
Maybe its nothing to do with real flooding. There are many article out there about it BUT Autralians dont seem to think it has played a part in their losses.!!!!!!!
ALso my insurance doubles every year regardless of what is happening. I have only ever made one claim in my life.
http://australiatoday.webs.com/qldrainmakingprogram.htm
http://www.thaiembassy.sg/press_media/news-highlights/thai-king-permits-queensland-australia-to-use-his-artificial-rainmaking-
http://www.floodcommission.qld.gov.au/__data/assets/file/0011/4223/Anderson_Jay.pdf

WHO SHOULD REALLY SAVE THE PEOPLE....The government since their who have priced Australia out of living. The basic wage has never got past $500 a week if that........this is in the last 35 years?
GET A LESS BUREAUCRATIC GOVERNMENT the one we have is KILLING Australia and the life there. The bureaucrats run it like its still a criminal colony we are the criminals with NO human rights?the only western country thats managed to IGNORE them and they get the milk and honey? Just look at the history if you can?

February 28, 2013 @ 1:37pm
CLOSE
Type a keyword to search for a story or journalist

Journalists

Stories