Storm and flood assistance - for individuals

In response to the recent storms and floods, Disaster Recovery Funding Arrangements (DRFA) have been activated in the 63 local government areas including the Blue Mountains. 

Flood Recovery support is still available through a personal appointment service

Communities impacted by the March 2021 storms and floods can still access personalised recovery support by booking a one-on-one appointment with a Service NSW customer care specialist. To book an appointment with a customer care specialist visit the Service NSW storms and floods customer care website. Appointments are currently by phone due to COVID-19 restrictions.

Disaster Recovery Payment 

One-off financial assistance for individuals at a rate of $1000 per eligible adult and $400 per eligible child. Claims for this payment can be lodged with Services Australia for a period up to 6 months.  

Disaster Recovery Allowance: short-term income support for 13 weeks

The Disaster Recovery Allowance provides a short-term income support payment to assist individuals whose income has been affected as a direct result of the storms and floods, for up to 13 weeks. This is an Australian Government disaster assistance payment. Visit Services Australia at to find out if you are eligible, or phone 180 22 66.

Disaster Relief Grant: always-on assistance for eligible applicants in any emergency

The Disaster Relief Grant helps people to recover from the effects of a disaster and re-establish a basic standard of living. It is not provided to replace insurance or compensate for losses.

You may be eligible for financial support if the following apply:

• your home (primary place of residence) was damaged by a natural disaster

• you do not have insurance for the damage

• you are a low-income earner with limited financial resources

• it has been less than four (4) months since the disaster.

Phone 13 77 88 and ask about the Disaster Relief Grant administered by Resilience NSW. This is an NSW Government disaster assistance payment available at any time to eligible individuals or households. 

NAB Disaster Relief Package

NAB announced on March 24 a Disaster Relief Fund of up to $3 million to help people affected by floods across NSW, with $2,000 grants available immediately to impacted customers and NAB staff members.

•    Immediate access to $2,000 grants to help cover costs such as temporary accommodation, food and clothing (eligibility criteria applies).
•    $2,000 business grants to help restart or reopen and cover the cost of damaged property, equipment, fencing and for loss of stock or livestock. NAB business and agribusiness customer wishing to access the grants should call NAB’s dedicated team on 1300 769 650.
•    Support to restructure existing business banking facilities.
•    Fee waiver on terminal rental for a period of up to three months for merchants with working terminals that are no longer able to trade.

NAB customers who have suffered damage to their home and need assistance can phone NAB Assist on 1300 308 132.

WESTPAC Disaster Relief Package

The Westpac Flood Support Fund will provide access to grants for customers and employees with significant damage to their home or business because of the recent severe weather events.

$5,000 re-open grants for businesses: to repair damage and help with costs like the loss of equipment and stock.
$3,000 emergency grants for households: to help with costs for essential items and services.

Phone Westpac Assist on 1800 067 497

Storm and flood assistance - for businesses 

If your business premises have been damaged in the recent storms and flooding, please take photographs of the visible damage as soon as it is safe to do so, to assist in accessing support in the future. 

Disaster Recovery Small Business Grant: up to $50,000

The Disaster Recovery Small Business Grant is a one-off payment of up to $50,000 designed to provide short-term targeted assistance for recovery and reinstatement activities, including safety inspections, repairs to premises and internal fittings, and replacement of stock.

This is an Australian Government disaster assistance payment. Visit Service NSW at to find out if you are eligible, or phone 13 77 88.

Disaster Recovery Primary Producer Grant: up to $75,000

The Disaster Recovery Primary Producer Grant is a one-off payment of up to $75,000 designed to provide short-term targeted assistance for recovery and reinstatement activities, including salvaging crops and repairs to damaged farm infrastructure (e.g. fencing) and equipment. This is an Australian Government disaster assistance payment.

Apply direct online via the Rural Assistance Authority at

Alternatively, phone Service NSW on 13 77 88 and ask for the Primary Producer Disaster Recovery Grant administered by the Rural Assistance Authority.

Concessional loans 

Loans of up to $130,000 at a fixed concessional interest rate may be available to small businesses, primary producers and non-profits (subject to certain eligibility criteria) that have been directly impacted.   

For information on what supports are available visit or phone 1300 795 534. 

Primary producers

Primary producers may be eligible for urgent loans at a concessional interest rate and transport subsidies for the carriage of livestock, fodder and supplements for dairy cattle. Visit the NSW Rural Assistance Authority website for more information or call 1800 678 593.

If you wish to register for assistance, for emergency fodder or livestock support you can also call the Agriculture and Animal Services Hotline on 1800 814 647.

To report damage, submit a survey

Small businesses

Urgent loans are available at a concessional interest rate to eligible small businesses. Visit the NSW Rural Assistance Authority website for more information or call 1800 678 593.

The NSW Small Business Commissioner also has support services for small business owners who have suffered direct damage to their assets or loss of income following statewide flooding. 

For information on what supports are available visit or phone 1300 795 534.

Non-profit organisations

Loan assistance is available to churches and voluntary non-profit organisations for the restoration of essential facilities. Visit the NSW Rural Assistance Authority website for more information or call 1800 678 593.

Sporting clubs

A grant or a concessional fixed rate loan is available for sporting and recreation clubs and associations for clean-up, removal of debris and/or restoring essential facilities.

To access an application for grant assistance, contact NSW Treasury by email at

To learn more about loan assistance, contact the NSW Rural Assistance Authority on 1800 678 593 or (02) 6391 3000, visit or email

Help for affected small businesses to meet their tax obligations 

The ATO also offers assistance with meeting tax obligations for businesses impacted by floods. More information is available here.   

Small business rebate scheme

Eligible small businesses will have access to a rebate scheme for NSW and local government fees and charges. The NSW Government is delivering on a $50 million commitment made in the State Budget last year, designed to bolster small businesses in the wake of the COVID-induced economic downturn.

Small businesses (including farm businesses) with total wages below $1.2 million payroll tax threshold, and a turnover of at least $75,000 a year will be able to claim back council fees and charges.

The rebate will be available until 30 June 2022. To apply and for more information, visit or contact Service NSW for Business on (02) 9132 2344.   

Help from your financial institution 

The major banks and others have announced special support for flood-affected clients. Contact your institution for further details.

More information:

To read more about support available for NSW small business, visit our storms and flood support page.

Insurance assistance

Guide to making an insurance claim

The NSW Small Business Commissioner’s quick guide to making an insurance claim can help businesses through the claims process to get paid quickly and smoothly after a disaster or disruption. Visit

Insurance Council of Australia

The Insurance Council of Australia (ICA) has declared a catastrophe for large parts of NSW following storms and floods. The declaration will assist in prioritising the insurance industry’s response for affected policyholders and if you are a policyholder and need to make an insurance claims, you can expect to be given priority by insurers. 

For advice and guidance phone the ICA hotline on 1800 734 621. 

Note: Claims cannot be made via this hotline.

Mental health support

24/7 telephone services

There is 24/7 help available on the following numbers:
• Lifeline – 13 11 14
• Beyond Blue – 1300 224 636

Online services and resources
Ahead for Business by – Helps small business owners take action on their own mental health and wellbeing.
NewAccess by Beyond Blue – Free and confidential help for small business owners from mental health coaches with a small business background.
Rural Adversity Mental Health Program – Connects people living in regional, rural and remote NSW with local mental health services and resources.
Rural Resilience Program – helping build resilience by linking rural communities, families and individuals with the most appropriate services and information.