Cyclone Debbie - Do you have a flood mitigation plan?

Flood mitigation - preparing for the storm

Cyclone Debbie's impact on the Queensland coastline is an apt reminder of how quickly extreme weather events can materialise. Cyclone Debbie triggered widespread and extensive flooding across eastern Australia in March 2017 and became the second-most costly Australian cyclone on record after Cyclone Tracy devastated Darwin in 1974. Cyclone Debbie prompted nearly 74,000 claims to be filed across eastern Australia, amounting to USD1.3 billion and was the costliest event of the year for insurers in Asia-Pacific*.

Alongside the impact of gale force winds, the threat of flood can often come with a broader impact radius, as cyclones create riverine flooding, and impact communities hundreds of kilometres downstream. A flood can also be as simple as a stormwater blockage, or debris building up in roof gutters.

The dreadful truth

Even in weather events that came with advance warning, many organisations failed to have a functional flood mitigation plan in place, and as a result, suffered greater losses than those with effective plans in place. Loss situations were wide and varied. Examples include:

  • Leaving high value contents in below ground areas, where all contents were destroyed,
  • Leaving lift cars on the bottom level of the buildings, when they could have been sent to the top,
  • Having all essential services: electrical switchboards, fire pumps, generators; badly damaged from water, as they were located in the lowest parts of the building,
  • Not maintaining submersible pumps, resulting in the pumps failing to activate when water levels reached a certain height.

While you can't stop a loss, you can reduce the severity of a loss, and the potential interruption to your business through practical risk management.

Planning ahead

A flood mitigation plan will help you prepare for a flood event. It should be instructive, and help ensure your business is not only prepared for a flood, but also prepared to recover from this type of peril.

If your operations are within a flood prone area, it is important that you remain vigilant of Bureau of Meteorology alerts. It's also critical that sites in a defined flood zone have a prepared flood mitigation plan.

This should include:

  • An overview of flood threat (potential impact from flood water)
  • The facility's approach to flood response and protection
  • Flooding scenarios
  • Area maps
  • Impact of floodwaters
  • Flood response
  • Action matrix: What is needed?
  • Description of required actions: What to do?
  • Staff assignment matrix: Who will do what?
  • Materials and supplies matrix: What to use?
  • Contractors list/phone numbers: Who to hire?
  • Security response
  • Fire protection response

It's also important that tenants of leased premises connect with their landlords, or building managers, regarding flood response planning ahead of the event. This will ensure that any preventative measures are aligned with the sites overall response plan and capabilities.

The right coverage

In addition to having the appropriate mitigation plan, organisations need to clearly understand what type of cover they have and how it will respond in the event of storm damage, versus a flood.

In general terms, a flood is often defined as the release of water from a natural course such as a river, dam or stream onto otherwise dry land. This differs to storm water run-off which may be described as a body of water making its way to a water course.

Quality advice and assistance

If you don't have a flood mitigation plan in place, or want to assess if your premises are at risk, please contact Aon Risk Control and Engineering. Our team reviews and assesses property risks on a daily basis, offering practical advice to all types of clients. Make sure you are prepared ahead.


* Source: Weather, Climate & Catastrophe Insight: 2017 Annual Report

About Aon
Aon plc (NYSE:AON) is a leading global provider of risk management, insurance and reinsurance brokerage, and human resources solutions and outsourcing services. Through its more than 72,000 colleagues worldwide, Aon unites to empower results for clients in over 120 countries via innovative and effective risk and people solutions and through industry-leading global resources and technical expertise. Aon has been named repeatedly as the world's best broker, best insurance intermediary, reinsurance intermediary, captives manager and best employee benefits consulting firm by multiple industry sources. Visit for more information on Aon and to learn about Aon's global and principal partnership with Manchester United.

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