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Resilient Homes Fund

Queensland homeowners who experienced damage to their residential property as a result of flooding in 2021–22 can now register their interest for the $741 million Resilient Homes Fund.

The Resilient Homes Fund was developed following the 2021–22 disaster season and applies to directly flood-affected residential properties within 39 local government areas activated for Disaster Recovery Funding Arrangements (DRFA).

Funding will be used to repair, retrofit, raise or buy-back eligible properties. The program recognises there is not a ‘one size fits all’ approach. Different options for homeowners will be considered on a case-by-case basis, which will be specific to their level of flood damage, future flood risk and property type.

Resilient retrofit program

Funding to homeowners to repair (enhancing resilience) or retrofit their homes to incorporate flood resilient design and materials in liveable rooms or areas.

Home raising program

Funding to homeowners to raise their home to reduce the impacts of future flood events by elevating liveable rooms or areas. This may also include moving the home on the same parcel of land—for example, moving it to higher ground.

Voluntary home buy-back program

Funding for councils to buy-back homes, in certain cases. Buy-backs will be considered on a case-by-case basis and are voluntary.

Resilient homes building guidance

We have developed a guide to help you understand how homes may be improved to achieve greater flood resilience. Flood risks, flood resilient building design approaches and resilience strategies for different house types are all explained in this guide. Helpful design checklists are also included. Not all resilience measures and strategies are eligible for funding through the Resilient Homes Fund and the guide will help to explain this further.

Downloads

What happens first?

The Resilient Homes Fund commences with homeowners registering their interest and an initial eligibility check.

Once the initial eligibility check is complete, our resilience experts will conduct a home assessment and prepare a Home Assessment Report. The report will identify opportunities to improve the resilience of the home and provide options to consider that are part of the various programs within the Fund.

Who is eligible?

To be eligible for funding to repair (enhancing resilience), retrofit or raise your  home, you must meet the following criteria:

  • your home is within one of the local government areas activated for Disaster Recovery Funding Arrangements
  • you are the owner-occupier or landlord of the property for which you are applying for funding
  • the home is a residence (house/unit/duplex), not used primarily for business purposes
  • the home was inundated by water in liveable rooms or areas during the 2021–22 rainfall and flooding events listed below:
    • central, southern, and western Queensland rainfall and flooding – 10 November to 3 December 2021
    • ex-tropical cyclone Seth – 29 December 2021 to 10 January 2022
    • south-east Queensland rainfall and flooding – 22 February to 5 April 2022
    • southern Queensland flooding – 6 to 20 May 2022.

Download the Resilient Homes Fund Eligibility and funding factsheet (PDF, 700 KB) .

What funding is available?

Eligible homeowners can apply for funding of:

  • up to $50,000 toward repairing (enhancing resilience) or retrofitting OR
  • up to $100,000 toward the cost of raising homes.

Eligible homeowners may only apply for funding under one of the programs.

For works estimated above these thresholds, homeowners will be required to co-contribute on a dollar-for-dollar basis.

For example:

A raise costing $120,000 would receive:

  • the base funding of $100,000
  • then a further $10,000 co-contribution from the Fund, with the homeowner required to contribute $10,000.

Homeowners in genuine hardship (as determined by the government), may be able to have the co-contribution requirement waived.

Funding from the Resilient Homes Fund may supplement other funds available through home insurance or Structural Assistance Grants to repair and improve the resilience of eligible homes. However, funding under this Fund is not available for the same works already paid for by an insurer or under another funding program.

The funding process

Step 1 – Homeowner registers interest in receiving funding.

Step 2 – An initial eligibility check of registrations is completed.

Step 3 – A Home Assessment is completed to confirm eligibility and identify suitable resilience options.

Step 4 – A Home Assessment Report is provided to the homeowner, raising awareness of flood risks, and identifying resilience options.

Where voluntary buy-back has been identified as an option, homeowners will be contacted regarding the next steps.

Homeowners who would like to repair (enhancing resilience), retrofit or raise their home will continue with the following steps:

Step 5 – Homeowner seeks quotes for works from licensed contractor/s and formally applies for funding via an online portal (submitting one quote).

Step 6 – Homeowner is notified of funding approval, after our team reviews the quote, checks all eligibility requirements are met, and is satisfied that the quote represents value for money.

Step 7Homeowner enters into a funding agreement with the Queensland Government and a contract with a licenced contractor to complete the works.

Step 8Resilient Homes Fund payments are made directly to the licenced contractor in accordance with agreed milestones.

Step 9 – Upon completion of works our resilience experts will visit the home to verify works have been completed before making final payment.

Step 10An Outcomes Report is provided to the homeowner detailing resilience outcomes achieved through the Resilient Homes Fund.

The above steps may change if your home is insured. The Queensland Government is working with insurers to finalise arrangements for the coordination of insured works and any additional resilience works.

The following examples have been developed to help homeowners understand more about the Resilient Homes Fund. These are not real-world examples and should be used as a guide only.

Shane

Shane’s recently renovated 4-bedroom home was inundated with 0.5 metre of water through all liveable areas. Shane has private home insurance with flood cover.

Shane’s Home Assessment Report identifies several resilience strategies that could occur in addition to the $60,000 repair his insurance will cover. The resilience retrofit works are estimated to cost an additional $10,000. Shane may be eligible for $10,000 funding.

Thao

Thao’s 2-storey duplex was inundated with 1 metre of water through all liveable areas on the ground floor.

Thao’s Home Assessment Report identifies resilience retrofit options for the ground floor which includes the kitchen, bathroom and a bedroom. Thao sources quotes from licenced contractors. Resilience retrofit works are estimated to cost $60,000. Thao isn’t insured and wasn’t eligible (due to her income) for a Structural Assistance Grant. Thao, with a contribution of $5,000 of her own funds, may be eligible for $55,000 from the Resilient Homes Fund.

Helen

Helen lives in a low-set Queenslander on stumps that was inundated with 1.5 metres of water.

Helen’s Home Assessment Report identifies home raising and resilience retrofit works as potential resilience options. Helen considers the risks and benefits of both options and decides to seek quotes from licenced contractors for raising her home which is estimated to cost $100,000.

Helen may be eligible for $100,000 from the Resilient Homes Fund.

Eligible local government areas

  • Balonne Shire Council
  • Banana Shire Council
  • Barcaldine Regional Council
  • Barcoo Shire Council
  • Blackall-Tambo Regional Council
  • Boulia Shire Council
  • Brisbane City Council
  • Bundaberg Regional Council
  • Carpentaria Shire Council
  • Central Highlands Regional Council
  • Cherbourg Aboriginal Shire Council
  • City of Gold Coast
  • Diamantina Shire Council
  • Flinders Shire Council
  • Fraser Coast Regional Council
  • Gladstone Regional Council
  • Goondiwindi Regional Council
  • Gympie Regional Council
  • Ipswich City Council
  • Isaac Regional Council
  • Kowanyama Aboriginal Shire Council
  • Livingstone Shire Council
  • Lockyer Valley Regional Council
  • Logan City Council
  • Longreach Regional Council
  • Maranoa Regional Council
  • Moreton Bay Regional Council
  • Murweh Shire Council
  • Noosa Shire Council
  • North Burnett Regional Council
  • Redland City Council
  • Rockhampton Regional Council
  • Scenic Rim Regional Council
  • Somerset Regional Council
  • South Burnett Regional Council
  • Southern Downs Regional Council
  • Sunshine Coast Regional Council
  • Toowoomba Regional Council
  • Western Downs Regional Council.

Register your interest

Register your interest.

If you need help to complete the register of interest form, call 13 QGOV (13 74 68).

Status

Detailed guidelines are being finalised. Further information is expected to be available in the coming weeks.

Administering agencies

  • Department of Energy and Public Works (DEPW) – Retrofitting and house raising
  • Queensland Reconstruction Authority (QRA) – Voluntary property buy-backs, in consultation with local governments and the Department of State Development, Infrastructure, Local Government and Planning.

Funding

Jointly funded (50:50) by the Queensland and Australian Governments under Category D of the Disaster Recovery Funding Arrangements (DRFA).

More information

For enquiries about the Resilient Homes Fund:

For information about community support services near you visit Regional community support services.