Participants of the Resilient Homes Fund

As a registered participant, you have met all of the following.

• You're the homeowner/landlord (tenants cannot apply)
• Your home is within one of the 39 affected local government areas
• Your home is a residence.
  • To be considered a residence, your home is a house, unit, granny flat, manufactured home that is not used primarily for business purposes.
• The building envelope was inundated by water as a result of an eligible flooding event.
  • The building envelope is the perimeter of the main structure of the home. It is the structural barrier between the inside and outside of your home and includes the roof, walls, doors, windows and foundation.
  • Inundation is when water rises into the property via creek, overland flow or river.
  • Your home was affected by one of these eligible flooding events:
  • 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.

To be eligible for funding, all building works and payments need to be finalised with the Queensland Rural and Industry Development Authority (QRIDA) before your settlement date.

When the settlement of your home sale occurs, your registration will be withdrawn.

Homeowners who are registered in the Fund and still own the property are eligible to apply for funding through QRIDA. Grant applications can be submitted until 1 December 2025. Your builder must have completed all work and been paid by 30 June 2027.

If you sell your home before funding is fully drawn, you will no longer be eligible for grant funding under the Resilient Homes Fund.

Insurance

Funding is available to both insured and uninsured homeowners.

If you have a home insurance policy that includes inundation by flood water, you will need to finalise a claim through your insurer before applying for funding. You must provide proof of your insurer accepting or rejecting your claim as part of the application process.

If you are applying for the Resilient Retrofit program, you must submit an insurance claim if your home was covered under an insurance policy at the time of flooding.

The Fund will only pay for works that are not covered by your insurance.

However, if your insurer has covered the full cost of your repairs, you may still be eligible for funding if the insurance repair is ‘like for like' (it does not improve the flood resilience of your home). In that circumstance, you can apply for funding to complete additional retrofit works under the Resilient Retrofit program.

Income and assets

Participation in the fund is not income or asset tested. If you are in genuine hardship, you can apply to have the co-contribution requirements waived for works above the threshold amounts ($50,000 for Resilient Retrofit and $150,000 for Home Raise).

Completed works

You may be eligible to apply for reimbursement of eligible completed resilience works. This will be considered on a case-by-case basis.

Other grants

Applying for other government grants does not affect your eligibility to apply for funding. However, the fund will only pay for works that are not covered by another grants.

Multiple homes on the property

If there is more than one home on the property (e.g. a home and granny flat), you can make an application for both homes, however, the thresholds are shared.

Example

Homes 1 and 2 are eligible homes on the same property. The cost of repairing both homes is $100,000. The base repair or retrofit funding available for works to both homes is $50,000. The owner would make a co-contribution of $25,000 and the fund would pay the remaining $25,000.