An area the size of Switzerland is isolated in northern NSW, with emergency food and medical supplies being dropped to residents.
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The flood emergency is expected to continue for months across some parts of western NSW, with above average rain predicted to last to February.
The state government might has thrown in $15 million to help repair flood ravaged roads, but experts say this is far from enough to cover the damage bill.
In Victoria, there are 73 alerts in place, with two at emergency level.
Here's how you can help our flood-affected regional communities bounce back.
NSW flood emergency
There are 102 flood alerts in place across NSW, with 16 at emergency levels and thousands of people subject to evacuation orders.
The body of 85-year-old man Ljubisa 'Les' Vugec was found in floodwaters in Eugowra on Saturday. He went missing on November 14. He is the second person to die in the village during the flood emergency.
Communities in Lightning Ridge, Walgett, Wee Waa and Collarenebri are experiencing widespread flooding and isolation.
"They are experiencing isolation islands, it's about the size of Switzerland that's isolated in this area," NSW SES spokeswoman Tina Bergin said.
Food and medical supplies are being dropped to these communities.
Along the Lachlan River, major flooding is predicted for Condobolin and Euabalong on Wednesday or later this week, with communities told to prepare to evacuate.
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In Forbes, the major flood level has dropped and damage assessments are underway before residents will be allowed to return to their homes. This Central West town has been flooded twice in two weeks.
Along the Murray River, the major flood level is expected to be exceeded in Deniliquin in the NSW Riverina this week. Residents should evacuate before 10am on Wednesday.
"Roads and bridges may close and be impacted," Ms Bergin said.
A 57-year-old woman who ignored road closed signs, drove through floodwaters before and then had to be rescued has been fined by police.
"This is not over yet, this could occur for weeks or months as water moves downstream," Ms Bergin said.
Victorian flood emergency
The flood emergency continues across northern parts of Victoria, with an evacuation order in place for Karadoc.
People on the riverside of Cootamundra Avenue and the lower reaches of Edey Road near the Murray River should evacuate immediately.
An emergency warning issued on Sunday for Irrak remains in place.
"It is now too late to leave as Rudds Road is closed due to its deteriorating condition," Vic Emergency said.
Moderate flood warnings
- Mitta Mitta River - Tallandoon
- Loddon River - downstream of Laanecoorie
Minor flood warnings
- Snowy River - McKillops Bridge
- Thomson River - Sale Wharf, Wandocka
- Latrobe River - Thoms Bridge, Rosedale
- Yarra River
- Bunyip River
- Werribee River
- Barwon River - Batesford Bridge, Geelong
- Mitta Mitta River - Colemans, Tallandoon
- Kiewa River - Kiewa, Bandiana
- Ovens and King riveres - Wangaratta and Docker Road Bridge
- Broken Creek - Walshs Bridge, Nathalia
- Goulburn River - Seymour, Shepparton, McCoys Bridge
- Campaspe RIver - Campaspe River at Echuca
- Loddon River - downstream of Cairn Curran, Bet Bet and downstream of Loddon Weir, Appin South
- Avoca River - Charlton Town