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Be prepared for floods

When you live in Queensland, you must have a plan for floods. Be prepared for flooding and other wild weather by following these simple steps.

Download our Flood Safety Checklist and make sure you're flood-ready before, during and after the event.

Download a flood checklist

Flood definition

A simple description of flooding is water where it is not wanted.

Every year in Queensland, floods cause millions of dollars of damage to buildings and critical infrastructure, such as roads and railways as well as to agriculture land and crops. They also disrupt business and can affect the way of life we love. Flooding occurs most commonly from heavy rainfall when natural watercourses do not have the capacity to move excess water on. However, floods are not always caused by heavy rainfall.


Flash floods

Flash floods can occur almost anywhere when there is a relatively short intense burst of rainfall such as during a thunderstorm. As a result of these events the drainage system has insufficient capacity or time to cope with the downpour.


Riverine flooding occurs in relatively low-lying areas adjacent to streams and rivers. In flat inland regions, floods may spread over thousands of square kilometres and last several weeks.

Actions by the Sea

The third type of flood is action by the sea. This can result from other phenomena, particulary in coastal areas where inundation can be caused by a storm surge associated with a tropical cyclone or a tsunami. If a storm surge is generated by cyclone activity then we will cover damage caused by that storm surge if it occurs at the same time your home and contents are damaged by the cyclone.



Even if you don't live in a likely flood area, there are many other types of water damage. We cover damage at the home caused by leaks from dishwashers, washing machines, pipes in the walls, rainwater downpipes, even waterbeds.

Flood Cover

When you live in Queensland, it's important that your insurer offers cover for floods. With all levels of Suncorp Home & Contents Insurance, cover for most types of Flood and Storm damage is automatically included. It helps protect you from water damage caused by rain, wind and hail, as well as flood.

If you have home insurance and your home is flooded, we'll pay your accommodation up to:

4 weeks short term accommodation and if necessary (depending on your level of cover):


  • Up to 48 weeks residential accommodation of a similar standard,
  • up to a maximum of 10% of your home sum insured.

Classic Extras

  • Up to 48 weeks residential accommodation of a similar standard,
  • up to a maximum of 10% of your home sum insured.

Classic Advantages

  • Up to 100 weeks residential accommodation of a similar standard,
  • up to a maximum of 10% of your home sum insured.

If your home is damaged by flood, we'll pay to:

  • Remove debris
  • Demolish your home if necessary
  • Make your home safe if it can't be lived in
  • Provide supplementary living expenses if you have Classic Extras or Classic Advantages cover.

When rebuilding your home, we'll cover the:

  • Extra costs for your home to comply with new building regulations.

​(Policy limits apply, depending on the level of cover you choose, these may vary. Refer to our PDS for further information)

We don't cover flood damage to wharves, jetties, pontoons or retaining walls or damage caused by actions or movements of the sea (with limited exceptions).

For other exclusions that apply, please read the Product Disclosure Statement (PDS).

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Calculating flood risk

Many factors can influence the risk of flood in your area. Floodplain shape, slope and storage together with man-made structures all have a significant influence on the routing of flood flows.

In general, the factors which influence whether flood will occur include:

  • volume, spatial distribution, intensity and duration of rainfall over a catchment
  • the capacity of the watercourse or stream network to convey runoff
  • catchment and weather conditions prior to rainfall event
  • ground cover
  • topography and tidal influences


Suncorp Insurance spends considerable time and resources researching all areas of Australia to map flood prone areas and assign risk estimates to each area. We then consider carefully how to adjust premiums to take into account the fact that some areas and properties are more likely to flood than others.

Our flood pricing is based on the specific flood risks of each individual home. We use data from a wide range of sources including local council flood mapping where available, along with terrain data and independent hydrologist reports. We also work with external companies with expertise in assessing flood risk that validate and provide additional information to determine the true flood risk.

It's important to regularly review your insurance to make sure your information and your coverage is up to date. Details like building construction, foundations and roof type can also make a difference to your insurance premium.

Is your home ready for a natural disaster?

You cannot stop a natural disaster, but you can take steps to minimise the impact on your home and property. Get help to prepare this storm season.

  • Make improvements to roofs, windows and roller doors
  • Trim or remove dangerous trees
  • Reinforce sheds and other structures

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