Published: 2 March 2026
Flood risk is rising - what Kiwi homeowners can do now
New research indicates many New Zealanders already live in areas exposed to significant rainfall flooding, and that number is expected to rise as the climate warms.
A national flood hazard viewer is now available to help check local exposure and understand how risk may change under different warming scenarios.
Flood risk varies by region and short, intense rainfall appears to be intensifying, so past experience isn’t always a reliable guide.
In January 2026, parts of the North Island saw record one day rain, slips, power outages and widespread road closures. High claim volumes and access constraints can slow assessments and repairs after large events.
Check your flood risk (national + local)
Use the national flood hazard viewer for a street‑level overview, then check your council’s detailed maps linked inside the viewer if you’re buying, renovating or building.
Sort the basics outside
Keep gutters, downpipes and drains clear; create safe overland flow paths away from the house; consider flood gates/door barriers and backflow prevention for low‑lying properties.
Reduce inside damage
Move valuables and electrics off the floor; use water‑resistant flooring in at‑risk areas; ask a qualified plumber whether nonreturn valves are appropriate for your wastewater lines.
Have a simple household flood plan
Know how to turn off power/gas, who you’ll check on, where you’ll go if advised to evacuate, and how you’ll stay in touch. If you receive an Emergency Mobile Alert, move early - slips and flooding can cut access quickly.
Check your insurance settings now
Confirm full replacement sums insured (including driveways, fences, retaining walls, outbuildings). Ask your broker about how your policy defines flood and stormwater runoff, and what support you’d have if your home became unliveable. After major events, claims may take longer as unliveable homes and vulnerable customers are prioritised, so check your contents limits and accommodation provisions.
Use the national flood hazard viewer alongside council maps to pinpoint property-level risk. Keep an eye on the National Adaptation Framework and the planned public National Flood Map (targeted for 2027).
Flood risk is growing - but practical steps at home, informed by credible mapping and advice, can reduce damage and disruption. Use the national viewer to understand your area, check your council’s detailed maps for property‑level guidance, and review your insurance so it will respond when you need it most.
Need help working through your options?
Talk to your local Rothbury broker — we can explain risk information, provide advice on your sums insured and cover, and help you plan next steps.
This article provides general information only and is not financial advice. Please speak to your broker for guidance specific to your situation.