Navigating the Waters: A Comprehensive Guide to Flood-Affected Properties in Queensland

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3/26/20242 min read

man in gray jacket and gray pants standing beside black car during daytime
man in gray jacket and gray pants standing beside black car during daytime

Understanding the Terrain

Floods are a common occurrence in Queensland, a state known for its tropical climate and heavy rainfall. When considering a property purchase in this region, it’s crucial to understand the potential risks and implications of owning a flood-affected property.

The Risks of Flood-Prone Properties

Properties in flood-prone areas come with a unique set of challenges. These include potential damage to the property, increased insurance costs, and the emotional toll of dealing with a flood event. It’s essential to weigh these factors against the potential benefits of owning a property in these areas.

Identifying Flood-Affected Properties

Key indicators of a flood-affected property include watermarks on walls, a musty smell, and signs of mould or mildew. A thorough property inspection can help identify these signs and assess the extent of any flood damage.

Insurance Considerations

Securing insurance for a flood-prone property can be challenging and costly. It’s important to research and compare insurance options to ensure you’re adequately covered in the event of a flood.

Investing in Flood Mitigation

Investing in flood mitigation measures, such as raising the property or installing flood barriers, can help protect your property from future flood events. These measures can also potentially reduce insurance premiums.

The Importance of a Flood Report

A flood report provides valuable information about a property’s flood risk, including historical flood data and flood predictions. This report is a crucial tool for anyone considering purchasing a flood-prone property.


Navigating the waters of flood-affected properties in Queensland requires careful consideration and thorough research. By understanding the risks, identifying flood-affected properties, considering insurance options, investing in flood mitigation, and utilising a flood report, you can make an informed decision about your property purchase.

Remember, when it comes to buying a property in a flood-prone area, knowledge is your best defence. Stay informed, stay prepared, and stay safe.


What are the legal requirements for disclosing flood history?

In Queensland, there is currently no specific law or rule that requires sellers or their agents to disclose whether a property has been previously affected by flooding. However, if a real estate agent or a vendor of a property is asked whether a property has been flood impacted, then an accurate answer is required.

However, changes are underway. The Property Law Act 2023 (newPLA) was passed by Parliament on 25 October 2023 and received royal assent on 2 November 20234. The new PLA introduces a new statutory seller disclosure scheme, aligning Queensland with the disclosure requirements of other states. This scheme applies to all sales of freehold land, including sale by way of auction (subject to exemptions). Under this scheme, certain disclosure documents are to be provided by the seller to the buyer, either electronically or physically, prior to the signing of the contract. This statutory requirement includes information about the property title, planning and zoning, building work, infrastructure proposals, rates and water accounts, body corporate information, energy efficiency, and environmental issues.

It’s always a good idea to consult with a legal professional to understand the specifics of your situation. Please note that this information is current as of the time of writing and may change in the future.

This is general advice only, contact your legal representative for specific legal advice.