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Communities across the Northern Territory have been dogged by widespread flooding for weeks. Alice Springs is picking up the pieces after February's massive flood. Insurance companies are calculating the risk with costly premiums.

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00:02A freak flood catches a desert town off guard.
00:08Alice Springs woke to find the tod in the Charles Rivers bursting, prompting last minute
00:14emergency warnings of imminent danger.
00:17The kids think it was great because they didn't realise how dangerous it was but I couldn't
00:21drive them out in the car.
00:22It was a lucky escape for the Dardick family after their rented industrial property on
00:27Stuart Highway was swamped.
00:29The moment I opened this door I caused the river to come flowing through.
00:34And they're still counting the cost.
00:36The mess man, the mess was around here, it took me two days just to clean up all the
00:40mess here.
00:41Member for Araluen, Robyn Lambly says the town narrowly avoided disaster and that successive
00:47governments have stalled flood mitigation works in the region because of the cost.
00:52She's appealed to the Northern Territory Government to act.
00:55We can't keep delaying it year after year. As time goes on, it's clear that we are in
01:02for a hell of a flood imminently.
01:05The inaction on flood mitigation is driving up insurance premiums in the area, with some
01:11companies charging eye-watering amounts for cover. Charles Kearns is paying the price.
01:17We're paying over $5,000 in home and contents insurance. We've got a massive excess, which
01:24is $3,000 for our home and $1,500 for our contents.
01:29In years past, she's been quoted $24,000 for home insurance, even though her house is not
01:36in the designated flood zone.
01:38It's a condition of our mortgage that we must have certain insurance. So if it becomes
01:44unaffordable to insure our house, we'll have to sell our house.
01:48In 2017, the Northern Territory Government Alice Springs Flood Mitigation Advisory Committee
01:54released a report which made recommendations to reduce the risk of flooding in the outback
01:59town. It included a review of the drainage infrastructure and building retention basins
02:05in the Todd River catchment to control and slow the flow of water through the town. The
02:10most expensive recommendation was to widen the Todd River course through Heavy Tree Gap and
02:15to raise the Stuart Highway and the Adelaide to Darwin Rail Corridor. But a decade on, nothing
02:22has happened.
02:23There is no other way to get services right through the Territory if this is cut off. So
02:28this is a very important infrastructure piece. It's a national highway. It's very much the responsibility
02:35of the Federal Government.
02:36For residents facing rising premiums, the lack of action is frightening.
02:41It makes me feel sick. Like, I don't, that's not affordable for us and it's really concerning.
02:47In a statement, the Minister for Lands and Planning, Joshua Burgoyne, says he is in discussions
02:52with the Federal Government about flood mitigation in Alice Springs and will return to Canberra
02:57at the end of the month for further meetings.
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