As someone in the insurance industry said;
"You cannot insure against a certainty."

Shadow Minister:

Your comment: I believe that the fault lies entirely with the councils who gladly sold this land…

To whom did councils sell the land and in what shire did that occure please?

What about a national insurance scheme. like a medibank private.
All properties are insured at the one shop, and covered for all disasters. Communism at work, but it could be the only way some people will get insurance.

Diver Dan,

In 74 when the floods were higher, a couple of hundred houses were flooded. Then it was recommended that those properties were purchased by the state and the flood plain excluded from construction unless mitigation policies were put in place.

In 2011, with a smaller flood thousands of houses were flooded. The only sellers of land and issuers of permits were the councils.

A597,

Your proposal would mean that people in safe houses would pay for the insurance of those in flood plains, and the cheap flood insurance would be an incentive to build in flood plains. A prime example of why communism failed.

I feel sorry for those flooded out, but they bought on a flood plain
and so took the risk. If you can believe what the warmists say today
then it will happen again and again only worse.
If you do not believe the warmists then it will happen again and again.

Frankly if they rebuild I am reluctant to insure them by paying Julia's
levy. It is either jack up a metre or so above the highest expected
level or tear down and abandon the site.

The land should be sold for horticultural farms. It will be good soil
after a couple of floods. Also it will be idealy placed to supply local
fruit and vegetable markets in the future.

My system would not fail as much as the insurance system has now. It would be incentive for the govt; to flood proof known areas of flooding.
With rising sea levels there is going to be a lot of water proofing going on. Should this be done as a nation or left to the expense of affected property holders. With a national insurance system, there would be money in the pot to undertake these works.