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Updated 7 September 2022

This page provides information about key supports and services for individuals and communities impacted by the 2022 NSW Floods.

Please note that NCOSS is a peak body and cannot directly provide people with assistance for flood relief. For emergency help in a flood, call the NSW State Emergency Service on 132 500.



 Financial support - for people

  • Find a government initiative, grant or funding program to help support your business, project or your community here
  • NSW Government offers a range of grants and payments for people affected by the floods. Click here for guidance.
  • Service NSW provides an overview of financial assistance  available to people impacted by the floods, and a Disaster Assistance Finder  to help people find the assistance they are eligible for. Call Service NSW 13 77 88, 7am - 7pm, Monday to Friday and 9am - 5pm on weekends and public holidays.
  • Storm and flood customer care service  is Service NSW's landing page for updates on various assistance available for people and businesses affected by severe storms and floods.
  • Dedicated community recovery centres  provide face-to-face support for NSW residents affected by natural disasters. Service NSW  lists current centres and opening times.
  • Services Australia offers a one-off Crisis Payment for those already receiving payments from Centrelink. It is half of your fortnightly payment. There is also a Crisis Payment for Other Extreme Circumstances.
  • Disaster Recovery Allowance July 2022 is short-term income support for people who have lost income as a direct result of NSW Floods starting in July 2022. You have until 1st February 2023 to make a claim.
  • Disaster Recovery Allowance February 2022 is short-term income support for people who have lost income due to the February 2022 floods - eligibility conditions apply. You have until 22nd of December 2022 to make a claim. Claim via myGov - see  here for details.
  • The flood recovery rental support payment  is a one-off payment for NSW residents in highly impacted areas who are unable to live in their home due to the February and March or June and July 2022 storms and floods.
  • The Back Home grant  is for homes damaged by the February, March, June and July 2022 storms and floods. The one-off payment covers the costs of restoring your property to a habitable condition or replacing essential household items.
    • $20,000 for owner-occupiers to repair or replace essential household items and/or restore housing to a habitable condition
    • $15,000 for owner-investors to restore housing to a habitable condition
    • $5,000 for tenants to repair or replace essential household items or relocate these items to a new residential property.
    • The Back Home grant  eligibility criteria has expanded - Owner-occupiers of a dwelling in a residential land lease community can now apply for a $20,000 grant. Tenants living in a separate dwelling to a main dwelling can soon apply for a $5,000 grant, even if the owner-occupier of the main dwelling has already claimed a $20,000 grant. Check the expanded eligibility criteria .
  • NSW Government Disaster Relief Grants  are available for eligible individuals and families whose homes and essential household contents have been damaged or destroyed by a natural disaster and are uninsured. Call Service NSW on 13 77 88 and ask about the Disaster Relief Grant administered by Resilience NSW.
  • Service NSW offers Northern Rivers Flood Grant Support Sessions. Make a booking with a grant specialist by calling Service NSW on 13 77 88
  • Families receiving a Child Care Subsidy may be eligible for an  Additional Child Care Subsidy  due to temporary financial hardship. Apply  here.
  • Childcare services at risk of closure in flood-impacted areas may be eligible for a Community Child Care Fund Special Circumstances Grant Opportunity  to help their service stay open.
  • The Australian Taxation Office  will assist people affected by February/March 2022 floods, for example by deferring tax lodgement or debt payment, helping with lost tax file numbers or records, or remitting any penalties or interest during the time you have been affected. Call the ATO Emergency Support Infoline on 1800 806 218 for assistance.
  • The Australian Banking Association has a list of member banks  providing customers with emergency assistance for floods.
    • Commonwealth Bank customers impacted by floods  are eligible for emergency assistance packages which can include loan assistance, waived fees and emergency accommodation for CommInsure customers. Call 1800 314 695.
    • NAB customers who have been affected by floods  can apply for a $2000 grant and other assistance including counselling through NAB’s Employee Assistance Program. Call 1300 308 132.
    • ANZ customers affected by floods  are eligible for financial assistance packages which can include temporary suspension of loan repayments and interest rate relief, and emergency funds and accommodation for ANZ Home and Contents insurance customers. Call 1800 149 549.
    • Westpac customers affected by floods  are eligible for emergency assistance packages that can include deferring loan and credit repayments. Call 1800 067 497 for assistance.
    • Bendigo Bank customers affected by floods  are eligible for relief packages including loan relief for up to 3 months, discounted interest rates on personal loans, and emergency funds and temporary accommodation costs for home and contents insurance customers. Call 1300 236 344 for assistance.
  • The National Debt Helpline  provides free assistance to those in financial difficulty as a result of the flood crisis. Call 1800 007 007, 9.30am to 4.30pm Monday to Friday.
  • Revenue NSW  assists people impacted by the floods by placing a hold on all fines, debt, and Work and Development Orders, extending payment deadlines and lifting driving sanctions. Call 1300 138 118.

Financial support - for organisations

  • NSW Government offers grants, loans, and financial assistance to businesses affected by the flood. Click here for guidance.
  • Aboriginal or Torres Strait Islander organisations affected by floods since 22nd February can apply for the 2022 East Coast Floods Emergency Response Grant Program to get up to $20,000,
  • Small Businesses or not-for-profit organisations affected by the March and February 2022 floods may apply for a $10,000 small business northern flood grant.
    Note: Receiving one grant may make you ineligible for another one, so consider your options carefully. You can get a list of NSW flood grants your business may be eligible for by doing this 2-minute Business flood grant eligibility checker questionnaire.
  • An overview of grants and support available to businesses and not-for-profit organisations  is available from the NSW Government. Covering grants, loans, legal support. Or contact Service NSW on 13 77 88.
  • Disaster Recovery Grants  of up to $50,000 are available from the NSW Government for not-for-profit organisations impacted by the February/March 2022 floods to help pay for clean-up and restarting operations - eligibility conditions apply. See here  for details and how to apply.
  • Not-for-profit organisations in the Northern Rivers area directly or indirectly impacted by the floods may be eligible for a $10,000 Small Business Northern Flood Grant  to help with operating costs. Eligibility criteria apply including a 40% drop in March turnover and annual turnover between $75,000 and $10 million.
  • Small businesses and Not-For-Profit organisations impacted by the June and July floods can apply for the June and July 2022 storm and flood Disaster Recovery Small Business Grant to receive up to $50,000
  • Large businesses in the Northern Rivers that have been flood affected can apply for the Anchor Business Support Grant Program
  • The Children and Young People Wellbeing Recovery Initiative  grant funding improves access to programs and resources to help children and young people recover, build resilience, strengthen community networks and improve mental health and wellbeing. The funding can be used to deliver a range of activities including community events, peer support programs, mental health training and more. Includes small grants under $10,000 and larger grants $10,000 to $50,000.
  • The NSW Rural Assistance Authority is providing low interest rate loans to non-profit organisations, primary producers, small businesses and sporting and recreation clubs in local government areas affected by a declared natural disaster. Apply online here by the closing date for your area .
  • The NSW Rural Assistance Authority is providing transport subsidies for eligible farmers affected by natural disasters, to assist with the cost of transporting stock, fodder and water. Apply online here  by the closing date for your area .
  • Resilience NSW , the Foundation for Rural Regional Renewal , and the National Recovery & Resilience Agency  regularly offer grants to support local disaster recovery programs and initiatives. Follow their websites and social media for updates.


  • If your residential or commercial property was impacted by the February and March or June and July 2022 floods, register to have a building condition assessment carried out by certified inspectors, Property Assessment and Demolition (PAD)
  • Owners and tenants of homes that are damaged or in need of rebuilding after the 2022 floods can find guidance here for rebuilding or repairing your property.
  • Housing enquiries are being triaged by the Housing Contact Centre 1800 422 322 or you can register with Service NSW  to receive information about rental assistance, mobile homes and the Red Cross housing brokerage service.
  • Temporary emergency accommodation in a motel or caravan park is available to people whose homes were affected by the floods who have no other means. On 15 March, the Government announced people could stay in temporary accommodation for up to 28 days without having to reapply. Ask at your local Recovery Centre or call the Housing Contact Centre 1800 422 322or Link2Home on 1800 152 152. Find a Recovery Service Centre near you here.
  • Renters have rights if their home is damaged by disaster. The Tenants Union have advice on disaster damage for renters . Enter your postcode here to find your local Tenants’ Advice & Advocacy Service. Or contact the Tenants Advice Line: 1800 251 101, on Mondays 10am-1pm and Thursdays 2-5pm.
  • NSW Fair Trading has prepared information on tenancy rights during flood.
  • The Service NSW Temporary Housing Support Package  will help people who need accommodation support in the coming weeks and months.

Flood health and safety information

  • NSW Health has prepared a range of resources on maintaining health during and after floods , including what to do about cleaning up after a flood, drinking water, mosquito control and managing your medications.
  • Clean up  advice and information from the NSW Government, including staying safe, avoiding risks, dealing with animals and waste removal. The Government is covering the cost of waste removal.
  • Clean up assistance

Pets and livestock

  • The NSW Department of Primary Industries and Local Land Services are aiding landholders and communities with animal welfare-related issues, including veterinary assistance, emergency fodder and stock water, stock euthanasia and burial, and care of animals in evacuation centres. Call the Agricultural and Animal Services Hotline on 1800 814 647.
  • NSW Department of Primary Industries factsheet on livestock safety in emergencies
  • Contact RSPCA for assistance with pets, livestock (including horses), and wildlife on 1300 278 358.
  • Rural Assistance Authority provides the Natural Disaster Donated Fodder Transport Subsidy
  • Flood affected landholders and animal owners who require assistance with stock or animal welfare can contact the Agriculture and Animal Services Hotline on 1800 814 647. Call to request emergency fodder for livestock, animal assessment, veterinary advice and if required, euthanasia and burial of animals.

Replacing damaged documents (licences, permits, certificates)

Food and clothing

  • GIVIT  is managing offers of donated goods, services, volunteering and funds, including corporate offers in response to the Queensland and New South Wales flooding. Organisations can register with GIVIT to distribute donations in their area.
  • Good360  is a matchmaker, connecting brand-new goods donated by businesses to people and communities who need them the most. Organisations can register with Good360 to distribute donations in their area.
  • Vinnies  is providing direct assistance with food, water, clothing, and other material assistance to people impacted by the floods. Contact 13 18 12.

Mobile and utilities

  • Telstra customers impacted by floods may be eligible for relief packages which can include one-off credit, mobile call diversion, a boost to data and free calls as well as reconnection support.
  • Optus customers impacted by floods impacted customers to reach out directly via messaging  on the My Optus app  or on 1800 507 581 between 8am – 8pm (Mon-Fri) and 9am – 5pm (Sat).
  • Simply Energy customers in impacted areas should already have had their invoice period extended by 35 days. Other payment options and financial hardship options are also available. Call 13 88 08 for assistance.
  • AGL can pause all disconnections for non-payment in affected areas, send text messages with updates and support available.
  • Origin Energy can provide updates and additional bill relief for customers who have been severely impacted.
  • Visit the Australian Energy Regulator website to find out your gas or electricity provider.


  • The Insurance Australia Group  (IAG) are providing their customers (including customers of NRMA, CGU and WFI) within impacted communities with immediate support including on the ground claims teams, emergency accommodation and financial assistance. IAG also has a series of severe weather factsheets  . Call IAG insurers for assistance:
    • NRMA Insurance: 13 11 23
    • CGU Insurance: 13 24 80
    • WFI Insurance: 1300 934 934
  • The Insurance Council of Australia  , has information on natural disasters and a hotline. Call 1800 734 621 (note this is not a claim lodgement service).
  • Insurer icare  is available to assist customers with floods, bushfires or COVID-19 support. Call 13 99 22 or email for assistance.
  • The Insurance Law Service  is an insurance helpline for consumers. Call the Insurance Hotline on 1300 663 464 Monday to Friday, 10am to 1pm.

Legal assistance

  • The Legal Aid NSW Disaster Response Legal Service (DRLS)  has a disaster response service that can help people impacted by floods with legal problems including insurance claims and disputes, financial hardship, tenancy and Centrelink. Call 1800 801 529, 9am-5pm Monday to Friday.
  • Community Legal Centres  can help people impacted by floods with insurance claims, tenancy, Centrelink, lost documents and financial hardship. Find your local community legal centre here .
  • Justice Connect  an provide free legal advice and ongoing representation to eligible small businesses, farms and primary producers affected by natural disasters like floods and bushfires.

Mental health support

Emerging Minds  provides resources and advice on supporting children’s mental health during disaster and traumatic events.

Support for Community

  • Local community services and organisations are at the forefront of the flood response and recovery. Ask at your local Recovery Centre or community hub, or search using Infoxchange Service Seeker  or Ask Izzy  to find out what local services are doing in your area.
  • My Community Directory  provides online health and community information for locations throughout NSW
  • Disaster Recovery Volunteering . Pre-register your interest in volunteering for disaster recovery organisations with The Centre for Volunteering.

Support for Organisations