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What is a strategy?

A strategy is a collection of actions that if implemented together, can reduce the risk of damage during a weather event or crisis.

Build flood resilient homes
  • Flood
  • Strategy
It's important to know practical things you can do to build a flood resilient house.

You can increase the flood resilience of your house by choosing resilient materials, construction techniques and design choices. 

This is part of 'wet-proofing' your home. This includes allowing flood water to move through the house without causing structural damage. It can include:

  • making sure your home's foundations are securely anchored to the ground
  • having openings or breakaway walls on the ground floor so that the flood waters are not impeded.

Parts of a house structure need to be able to cope with being immersed in water for a few days. If resilient materials and structural systems are used, minimal demolition will be needed. This makes the drying, cleaning and sanitisation processes quicker and easier.

In some cases, it can help you move back in after a flood event with reduced long-term disruption. It may not be possible to completely avoid flooding, but these flood resilient measures offer cheaper and more convenient ways to prepare your property.

 

 

Actions

External walls below flood levels must be made of resilient materials. They should have no internal cavity. This means they can dry out afterwards with little effort. This also avoids water traps that could grow mould on surfaces.

Some examples of resilient materials include:

  • external single-skinned rendered fibre cement
  • hardwood framed fibre cement external wall with extruded polystyrene closed cell insulation
  • concrete or core-filled block (no cavity) and
  • rendered AAC (autoclaved aerated concrete) wall systems.

If you are retrofitting or repairing your home after a flood, consider replacing cavity walls with single-skin ones. Examples include:

  • single-skin stud or brick walls
  • solid block walls or
  • off-form concrete walls.

You should also replace weatherboard cladding below the flood line with new cement composite cladding. 

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
Yes
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
Unknown
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
High
Implementation
Builder Requied
Part of Building
Stud wall, Block wall, Wall cladding

Waterproof membranes provide a seamless and flexible waterproof barrier. They will prevent water absorbing during flooding. This reduces drying times. They can also protect timber wall framing and other structures from flood damage.

If structural members are porous and not protected by a waterproof membrane, then floodwater can penetrate them. This can increase the time it takes to dry.

 

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
No
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Builder Requied
Part of Building
Wall cladding, Stud wall

Open stair designs don't have a void or cavity underneath. They should be made from water-resistant materials in new homes

You should consider replacing existing closed stairs with open-design stairs. These should be made from flood-resilient materials in existing homes.

Use open, bolt-fixed removable treads made of water-resistant material. The tread is the horizontal part of a set of stairs – the part you walk on. Bolt-fixed means that the tread is attached with bolts that may be readily removed so they can be easily replaced after a flood.

Stairs should be wide enough to enable furniture and other items to be carried upstairs as part of the preparation for an approaching flood.  It is recommended to have 1 metre clear between balustrades, or wall and balustrade and to have treads at least 280mm wide and risers of no more than 180mm high.

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
No
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Builder Requied

Use solid core doors in houses to limit potential water damage.

Solid core doors are constructed with a solid piece of material. For example, hardwood or engineered wood. This makes them more resistant to water damage. They’re less likely to warp, rot, or develop mould and mildew, even after prolonged exposure to moisture.

Hollow core doors are constructed with a cardboard-like material in the middle. This makes them highly susceptible to water damage during a flood.

 

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
Yes
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
Unknown
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Tradesperson required
Part of Building
Door

If parts of your home have been flooded they need to be completely dried.

It is important to install stud walls with exposed hardwood next to non-habitable spaces. These spaces include carport, garages, etc. by eliminating wall cavities. This helps to prevent mould and fungal attack developing. 

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
Yes
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
Yes
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Tradesperson required
Part of Building
Wall cladding, Stud wall, Block wall, Carport, Pergolas

Rendering block walls can provide a durable and waterproof finish. This improves resistance to damage from flood waters. 

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
Yes
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
Yes
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Medium
Implementation
Builder Requied
Part of Building
Block wall

Use solid core doors in houses to limit potential water damage.

Solid core doors are constructed with a solid piece of material. For example, hardwood or engineered wood. This makes them more resistant to water damage. They’re less likely to warp, rot, or develop mould and mildew, even after prolonged exposure to moisture.

Hollow core doors are constructed with a cardboard-like material in the middle. This makes them highly susceptible to water damage during a flood.

 

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
Yes
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
Unknown
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Tradesperson required
Part of Building
Door

You can increase the flood resistance of your property by installing corrosion proof fittings.

Door and window hardware include:

  • hinges
  • handles
  • catches
  • stays
  • fasteners
  • locks and
  • deadbolts

Manufacturers can produce corrosion-resistant fittings from corrosion-resistant materials. An example of this is stainless steel. You can also enhance normal fittings by applying a protective coating or plating. 

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
No
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Could be done by a Handyperson
Part of Building
Door, Window

Weep holes in double brick construction allow for ventilation of the cavity between the walls. This can prevent damage from moisture buildup. They are usually spaced evenly at specified intervals.

Flood water will penetrate the wall via the weep holes or through seepage during a flood event.

Additional weep holes installed above the possible flood level will improve the drying process after the flood waters recede. They should be cleaned out regularly.

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
Yes
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
Yes
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Builder Requied
Part of Building
Block wall

A recessed or flush threshold in doorways allows you to sweep water, mud and debris out of your house more easily once the flood waters have receded. This makes cleaning the property easier. It may also reduce secondary damage.

Action Level
Home (Residential Building)
Application for
New house at design stage
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
No
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Builder Requied
Part of Building
Floors

Rigid or closed-cell insulation is flood resilient. It helps to fill the gap in a typical cavity wall. Examples include:

  • extruded polystyrene,
  • thermoset polyisocyanurate (PIR) or,
  • phenolic insulation.

Rigid cell and closed cell insulation do not absorb water. They are less prone to water damage and mould compared to loose-fill insulation such as 'batts'.

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
Yes
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
Yes
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Tradesperson required
Part of Building
Wall cladding

Creating water resistant walls in your house reduces the risk of damage during a flood. This can include building walls made out of materials like concrete or blockwork, or installing water-resistant linings. These linings can be:

  • marine-grade moisture-resistant plywood
  • villa board
  • fibre cement sheeting.

Make sure there aren't any wall cavities that can trap flood water and extend drying out times.

Flood water can cause extensive damage to internal wall linings made from vulnerable materials such as plasterboard. The water can even get into cavity walls and damage insulation. 

This advice is best to consider when designing your home or doing major renovations.

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
Yes
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
Yes
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Medium
Implementation
Tradesperson required
Part of Building
Stud wall, Wall cladding

Sealed floor and wall tiles are more resistant to water than unsealed tiles.

Coatings can provide waterproof barriers and help reduce flood damage. They help seal the concrete. This prevents contaminants from getting into the tile and grouting. Some coatings can also provide antimicrobial protection. 

Action Level
Home (Residential Building)
Application for
Existing houses
Timing
Preparation well before event
Considered by Insurers
Could my insurer consider this action beneficial?
Yes
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
Yes
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Could be done by a Handyperson
Part of Building
Floors

Plasterboard ceiling linings are susceptible to damage. This includes mould growth caused by high humidity levels after a flood event.

You should consider replacing plasterboard linings with water-resistant materials. You could also remove the linings to create open ceilings.

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
No
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
No
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Low
Implementation
Tradesperson required
Part of Building
Ceiling

Floors are the first thing in a house that is affected by even low levels of flooding. Timber flooring may swell or cup, and carpets are particularly vulnerable to water. Some flooring materials and floor coverings, such as polished and sealed concrete or sealed tiles,  are more resistant to damage from flood waters than others.  

Note:

Waterproof flooring may impede drying when placed over timber (plywood). These floors may require special attention to drying and repair or replacement. 

Carpet is relatively inexpensive to replace compared with timber flooring. 

Polished and sealed concrete floors are resistant to fluids, especially water. Coatings can provide waterproof barriers that seal the concrete and prevent contaminants from penetrating the concrete. Some coatings can also provide anti-microbial protection. 

Action Level
Home (Residential Building)
Application for
New houses and retrofits
Timing
Risk Reduction (long term)
Considered by Insurers
Could my insurer consider this action beneficial?
Yes
Potential Savings in Risk Premium
Could this action have a tangible impact on my risk premium?
Yes
Cost
Very low <$1000, Low $1000-$10,000, Medium >$10,000, High >$100,000
Medium
Implementation
Tradesperson required
Part of Building
Floors
Last updated