Insurance - Flood Event 2026

This insurance flood mapping has been prepared using the flood modelling outputs prepared by the City of Gold Coast Natural Hazards team concluding May 2022 and updated Jan 2025 (for DTM) and April 2026 (for Nerang River Catchment),  for the Designing for Flood program using present-day scenario modelling . It has been developed in response to a request by the Insurance Council of Australia for mapping that does not take into account climate change factors .  The mapping was produced for this limited purpose.  


 

The flood insurance map shows the statistical flood extents for a range of events.   The statistical  design rainfall ‘events’ used in the flood modelling that underpinned the preparation of this map are:

• 20% AEP (generally known as 1 in 5 or frequent flood event)

• 5% AEP (generally known as 1 in 20 or infrequent flood event)

• 1% AEP (generally known as 1 in 100 or infrequent flood event)

• 0.2% AEP (generally known as 1 in 500 or rare flood event)

• 0.05% AEP (generally known as 1 in 2000 or extremely rare flood event)

• Extreme flood event

The flood insurance map does not show depth or height, and does not include climate change factors.  

This draft mapping has been developed for insurance purposes only, not regulatory purposes, and is subject to change.

Terms of use:
The insurance flood mapping is subject to the terms and conditions set out below.

 
Important information

 
This map has been developed for insurance purposes only.  It is not to be relied upon or used for any other purpose.

 
This mapping has been developed in response to a request by the Insurance Council of Australia for mapping that does not take into account climate change factors .  The mapping was produced for this limited purpose.  For Flood Risk Awareness mapping (which takes into account other factors not taken into account in this mapping), please see Council webpage.

 
THIS MAPPING TOOL IS NOT TO BE USED IN A DISASTER OR EMERGENCY SITUATION

 
It does not show flooding in real-time. For information during a rain event, please refer to the city's emergency dashboard https://dashboard.cityofgoldcoast.com.au/

 
This mapping tool relates to regional (riverine) flooding only and covers Gold Coast LGA only
A property may be affected by several sources of flooding. This information relates ONLY to regional (riverine) flooding and NOT to local runoff or stormwater flooding or storm surges, which may or may not affect property as shown. The mapping tool only covers the Gold Coast local government area.

 
This mapping does not predict the velocity of flood waters
The mapping ONLY indicates where flood inundation may take place. It DOES NOT predict the velocity of flood waters. The velocity of flood waters may affect the nature and extent of damage caused by any flooding.

 
This mapping does not show depth or height, and does not include climate change factors.
This mapping tool does not in itself indicate whether property has or has not been affected by floods.
This mapping tool does not provide statutory flood planning information.
For information about statutory flood planning information and to access the adopted Flood Overlay map, please visit https://cityplan.goldcoast.qld.gov.au/ePlan/#.

 
DISCLAIMER
1. The information in this mapping is provided for insurance purposes only. Council makes no representation and gives no warranty about the accuracy, reliability, completeness or suitability for any particular purpose of the information referred to in this mapping.
2. Council makes no statements, representations, or warranties of any kind (whether express, implied, statutory or otherwise) about the accuracy, completeness, quality, reliability or suitability for any purpose of the mapping. Some information, such as information supplied by third parties, has not been assessed for its accuracy.
3. This mapping provides limited information and is not a substitute for independent professional advice. Persons making any decisions (including decisions with financial or legal implications) must not use or rely upon this map for the purpose of determining whether any particular facts or circumstances exist or to decide whether to purchase or invest in property, and should obtain their own professional advice on these matters. For example, you should engage the services of a Registered Professional Engineer of Queensland (RPEQ) to obtain site specific information regarding the flood risk to your property and any the implications for any proposed purchase, building or development.
4. To the full extent that it is able to do so in law, Council expressly disclaims all responsibility and liability (including without limitation, in contract, negligence or other tortious action) for any:
(a) error or omission in the mapping; and
(b) loss, damage or cost suffered (including consequential damage), however it was caused, in connection with access to, use or reliance by any person upon this mapping (including reliance on the accuracy or completeness of the information referred to in this mapping).
5. To the extent that Council's liability for a breach of any statutory condition or warranty cannot be excluded, then to the extent permitted by law, liability is limited to, at Council's discretion, the replacement of the mapping.

 
TERMS OF USE
By using the insurance mapping, you acknowledge and agree that:
1. You have read, understand and agree to the Important Information and the Disclaimer set out above.
2. This mapping has been developed for insurance purposes only and is subject to change without notice.
3. This mapping is produced from computer models. Flooding is highly unpredictable and variable. The models are based on the best data available to Council at the time the models were developed, but is subject to the uncertainties of scientific and technical research. Subsequent changes (e.g. to the data available or the model computer used) may result in changes to the information in the mapping.  The mapping does not show depth or height information and does not include climate change factors.
4. Changes in the condition of local creeks and waterways may alter the effects of flooding. Council does not assume any responsibility for updating you on any changes to the information available or relevant conditions that occur subsequent to the date you access this mapping.
5. This map does not provide information as to the treatment of land with respect to flooding.
6. The use of the mapping is otherwise subject to the Council’s Terms of Use, available at https://www.goldcoast.qld.gov.au/Terms-of-Use. For further information, please refer https://cityofgoldcoast.com.au/flood or email naturalhazards@goldcoast.qld.gov.au

Tags: 2026, City of Gold coast, CoGC Open data, Flood, Flood Event 2026, Flood Risk, Flooding, Gold Coast Open Data, Insurance, Open Data
Organization: City of Gold Coast