Where my brother used to live in McGraths Hill (west Sydney near Windsor), is all flooded again, which is not that unusual, the 4th time in 18 months. What is unusual is that the houses were built up like Queenslanders (2 storey houses with no living areas on the ground floor just the garage, rumpus room etc) and the top floors are flooding now which is over the 13 metre mark. We still have some friends who have now lost mostly everything as they couldn't get insurance for flood. This makes it a 1 in 100 year flood.