The difference between hazard and risk is:
A hazard is a source of potential harm or a situation with a potential to cause loss. Flood Hazard is generally determined by a combination of depth and velocity of floodwater. More information can be found here.
A risk is the chance of something happening that will have an impact on objectives. A risk is measured in terms of consequences and likelihood. Flood risk is based upon the consideration of the consequences of the full range of flood behaviour on communities and their social settings, and the natural and built environment.
A risk assessment is the overall process of identifying, analysing and evaluating risk. A risk assessment is the means used to understand the likelihood and consequences of a natural hazard event or events for existing and proposed communities, property and infrastructure. In understanding the consequences of a flood event, the risk assessment will consider the exposure, vulnerability and tolerability of communities and their assets to the risk associated with that flood event.
The adopted Flood Hazard Area represents the most detailed flood risk information available to Council at the present time, however mapping in some areas relies on broad state government flood mapping. Updates and revisions to flood risk information across the Fraser Coast region will be an ongoing process, resulting in revisions to the adopted Flood Hazard Area over time.
Being outside the flood hazard area does not guarantee that your property will:
Reasons why the flood maps may be different to your own experiences may be because:
In-line with industry best practice, national design standards and recommendations from the Queensland Flood Commission of Inquiry, Council has incorporated climate change consideration, including increased rainfall intensity, cyclone intensity and sea levels, in all new flood risk studies within the Fraser Coast region. Inclusion of such considerations is critical to the forward planning of areas within the region, due to the coastal location, significant extent of foreshore frontage and low-lying adjacent land, in addition to the major river systems and other high flood risk areas located within the Fraser Coast region.
Questions regarding changes to your insurance schedule should be directed to your insurance provider. Insurers do their own flood risk assessments and risk mapping, independent of local government.
Insurance companies spend time and resources researching areas of Australia to map flood prone areas and assign risk estimates to each area. Insurance companies use data from a range of sources, including flood mapping (where available), terrain data and independent hydrologist reports. Industry bodies such as the Insurance Council of Australia often complete this on behalf of insurance companies, and then each company considers how to adjust premiums to reflect how likely it is that an individual property might flood.
The Insurance Council of Australia recommends that consumers shop around if they are dissatisfied with their current cover. For more information about flood insurance visit the Floodplain Management Australia webpage.
Local governments use statutory land valuations as a basis to calculate rates. Valuations are just one of many factors taken into account when Council frames its annual budgets and determines rates.
The Valuer-General (a State Government role) provides land valuations for all rateable properties in Queensland, which are issued annually to local governments. Adverse natural events, such as flooding, occur regularly in some parts of Queensland and the Valuer-General may review valuations based on the impacts of these events. For more information, please visit the Queensland Government’s website.
Property values can vary markedly depending on factors such as global financial markets, interest rates, or development nearby. Ultimately, it is the property market that determines the value.
Compensation is not available on the basis of flood hazard information being updated.
Existing development that has occurred in accordance with the current Planning Scheme was approved based on the information of flooding risk available at the time.
With the availability of more recent hydrological and other data about flood behaviour and extents, Council is updating the planning scheme to reflect new data and to help better manage our region’s flood risk.
Australian Height Datum (AHD) is the survey height datum adopted by the National Mapping Council as the datum to which all vertical control for mapping is to be referred.
0.00metres AHD approximates to mean sea level.
Average Recurrence Interval (ARI) and Annual Exceedance Probability is the probability of experiencing a flood of a particular magnitude. ARI can be interpreted in terms of years (frequency).
A 100 year ARI flood event corresponds to a 1% Annual Exceedance Probability (AEP) or a Q100 Flood Event. AEP can be interpreted as the percentage chance of a flood of this magnitude occurring in any one year. For example, the Bureau of Meteorology explains that for each and every year, there is a 1% chance (a 1 in 100 chance) that the defined event will be equalled or exceeded (once or more than once).
Defined Flood Level (DFL) means the flood level calculated for the 100 Yr ARI design flood event and adopted for the purpose of the Fraser Coast Planning Scheme.
Example - the defined flood level (DFL) is 5.00m (AHD).
Defined Storm Tide Event (DSTE) Level is an inundation level adopted by Council that represents the flood level of a 100 year ARI storm tide event and adopted for the purpose of the Fraser Coast Planning Scheme.
Flood Hazard Area is an area designated by Council as a flood hazard area for the purpose of the Fraser Coast Planning Scheme 2014, section 13(1)(b) of the Building Regulation 2006 and Queensland Development Code MP3.5 – Construction of Buildings in Flood Hazard Areas.
Freeboard: means a height above the defined flood level that must be included in the calculation to set the minimum habitable floor level, to provide additional protection for flood immunity of the finished floor level.
Minimum Habitable Floor Level (MHFL) means the level of the uppermost surface of a finished floor for habitable structures (not including any floor covering).