• Floods in Queensland
  • What you need to know about floods in Queensland

    When you live in Queensland, you need to be prepared for water to cause you trouble. As Queensland's Home Insurance experts, we've gone to great lengths to understand the risk of flooding to your home and the importance of being completely covered.

    Of course, it's not just floods and storms that cause damage. There are any number of water hazards that cause damage to homes every day – from broken pipes to burst waterbeds. It's important to ensure you're covered for it all, whether you live in a major city or a regional town.

  • A simple 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 agricultural 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.


    In Queensland, there are three main types of flood, click next to find out more.

  • Flash flooding
  • 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
  • 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, particularly 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.


  • Other Water Damage
  • 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 walls, rainwater downpipes, even waterbeds.

  • Calculating 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 a 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 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 risk 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.

  • Cover
  • When you live in Queensland, it’s important to check that your insurer offers cover for floods. Whether it’s flooding from a river or a storm, all levels of Suncorp Classic Home Insurance include Automatic Flood and Storm Damage Cover. 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):
    • Classic – 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 the debris,
    • Demolish your home if necessary, and
    • Make your home safe if it can’t be lived in, Up to a maximum of 15% of your home sum insured
    • And provide supplementary living expenses.

    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) .

  • Be Prepared
  • 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 The Flood Checklist

    Prepare for the unexpected

    Queenslanders are lucky enough to enjoy year round sunshine, but when it storms, it’s usually a big one, with floods, hail and cyclones a regular part of summer. And while we can’t predict the next 1974 or 2011 flood, we can prepare for the worst – just in case:

    • Review your home and contents insurance regularly and ensure you have adequate cover
    • Clean drains, gutters and downpipes regularly
    • Bring loose objects inside, or tie them down
    • Ensure your mobile phone battery is full (and use it sparingly in the case of a storm)
    • Assemble an Emergency Kit for your family
    • Keep a list of emergency contact numbers handy
    • Plan what you will do in an emergency, identifying the nearest safe ground
    • Buy emergency supplies of fresh water, batteries, candles and non-perishable foods

  • Storms in Queensland
  • Storms have always been a part of life in Queensland. And while many of them just give our gardens a good soaking over summer, some cause major damage to homes and infrastructure across the state. In fact, Emergency Management Australia reports that severe thunderstorms cause more damage in Australia each year than any other natural event, with the damage bill rising into hundreds of millions of dollars. Most of this damage is caused by hail, which accounts for almost half the total damage cost inflicted by severe storms. So, it pays to ensure your home is protected should a severe storm hit.

  • A simple definition
  • Severe storms can be broadly defined as a violent disturbance of the atmosphere. Strong winds are normally accompanied by rain, thunder and lightning. Thunderstorms and land gales are the two most common types of storm, with thunderstorms posing a greater danger to personal safety and property. They can produce damaging hail, strong wind gusts, flash flooding, tornadoes and lightning, while land gales are gale force winds occurring over land.


  • Our Cover
  • Each year, storms represent a very real threat to our homes in Queensland. So, it pays to have insurance cover that you can count on. Suncorp Insurance covers loss and damage caused by storm and flood e.g. rain, wind and hail damage and damage caused by flooding from rivers, streets and canals.

    We do cover damage caused by tsunami but we don’t cover damage caused by other actions or movements of the sea. An exception to this is that damage caused by storm surge is covered if it occurs at the same time your home or contents are damaged by a storm or flood. We don’t cover storm or flood damage to wharves, jetties, pontoons or retaining walls.

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

  • Other Water Damage
  • A clear plan to deal with our annual storms is a must-have for your family and to protect your home. By following a few simple steps, you can become storm ready. Download our Storm Safety Checklist and make sure you’re prepared before, during and after the event.

    Download The Storm Safety Checklist

  • Cyclones in Queensland
  • The annual cyclone season for the coastal regions of Queensland usually occurs between November and April. As Australia’s most feared weather phenomena, tropical cyclones are characterised by destructive winds with gusts that can approach speeds of up to 300km/h, torrential rains, storm surges and wild seas. Cyclones can turn debris into dangerous missiles that can result in extensive property damage, as well as serious injuries and fatalities. After crossing land, cyclones tend to weaken as they lose contact with the warm tropical waters needed to sustain them.

  • A simple definition
  • A cyclone can be defined as a violent storm that is characterised by high winds that rotate about a calm centre of low atmospheric pressure.

    Cyclones are categorised by wind strength as follows:

    • Category 1 - wind gusts less than 125 km/hr
    • Category 2 - wind gusts 125 to 169 km/hr
    • Category 3 - wind gusts 170 to 224 km/hr
    • Category 4 - wind gusts 225 to 279 km/hr
    • Category 5 - wind gusts more than 280 km/hr

    Cyclone warnings

    To keep Queenslanders aware of potential cyclones, warnings are issued by the Bureau of Meteorology when a cyclone is expected to cross land within 24 hours. Each warning is accompanied by a distinctive warning signal and identifies communities under threat, the name of the cyclone, its position, intensity, severity and movement.


  • Cover
  • Since a cyclone is a type of storm, Suncorp covers loss and damage caused by storm and flood e.g. rain, wind, hail, storm and damage caused by flooding from rivers, streets and canals. Damage caused by storm surges is also covered if it occurs at the same time your home or contents are damaged by a storm or flood.

    The main things we don’t cover are storm or flood damage to wharves, jetties, pontoons or retaining walls. For the complete list of inclusions and exclusions, please read the Product Disclosure Statement.

  • Be Prepared
  • Whether you live up north or down south, cyclones are something that every Queenslander should take seriously. So, a cyclone plan should be a must-have for every household. Download our Cyclone Safety Checklist and make sure you’re prepared for what Mother Nature brings.

    Download The Cyclone Checklist

  • Fire in Queensland
  • After our dry winter, Queensland’s native scrub and bush can be a tinderbox coming into spring and summer. Bushfires in rural, regional and outer lying metropolitan areas are now part of almost every Queensland summer. The dry, hot conditions, coupled with strong breezes can create the perfect environment for fast moving firestorms that spread like…wild fire.

    But it’s not just bushfires that Queenslanders need to be ready for. A few precautions around the home like installing smoke alarms and extinguishers, along with an evacuation plan in case of emergencies can make all the difference in a house fire.

  • A simple definition
  • Bushfires can be defined as any uncontrolled, non-structural fire that is burning in a grass, bush or forested area. While bushfires bring massive destruction, they also bring new life and are an essential part of our ecosystem, with many native plants relying on these fires to regenerate.


  • Cover
  • Suncorp Insurance covers loss and damage caused by fire. For example fires started by electrical faults, heaters, kitchen fires, bushfires and other causes.

    However, in some instances we do not cover damage caused by scorching, ash, smoke, soot or cigarette burns when your home has not caught on fire. For a complete list of inclusions and exclusions that apply, please read the Product Disclosure Statement (PDS)

  • Be Prepared
  • Fire can affect all Queenslanders. So whether you live in the city or the bush, you must have a plan for fire. While no one expects a house fire, advanced preparation for house and bush fires could make all the difference to your home and your family:

    • Prepare an evacuation plan
    • Keep wood and other flammable materials well away from the house and covered
    • Keep your lawn mown short and backyard tidy
    • Consider purchasing a portable pump to use with water from your swimming pool or water tank in an emergency.

    Download The Bushfire Checklist

    Download The Home Fire Checklist

  • Real Stories
  • Over the last few years, Queensland has lived through droughts, cyclones, bushfires and floods. We were proud to be there when we were needed most and these clips show how our Claims Service helped people get back on their feet. Have a look and remember, don’t just hope you’re covered, put your trust in Suncorp Insurance.

  • Get a Quote
  • Three levels of cover.
    All with must-have protection as standard.

    Suncorp Insurance offers you three simple levels of cover, with Automatic Flood and Storm Damage Cover included on all levels. Whether you choose Classic, Classic Extras or Classic Advantages, you’ll see that we’ve kept everything transparent and straightforward – such as Automatic Flood Cover being a clearly defined event – so you’ll know exactly what you’re covered for. Click here to compare covers or request a quote here.

    Classic Home and Contents Insurance

    Landlord Insurance