Cyclones originate as low-pressure systems over warm tropical oceans, such as those surrounding northern and western Australia. These low-pressure systems derive energy from the warm waters, creating a circular movement of strong winds and moisture known as a convection current.

As a cyclone progresses, it gains strength and can either dissipate over the ocean or make landfall. In severe cases, cyclones bring heavy rainfall, leading to flooding, tidal surges, and extremely destructive wind speeds reaching up to 360 KM/hour. These hazardous conditions can result in loss of life and cause significant damage to both properties and communities.

On average, Australia experiences approximately 11 cyclones annually1. These cyclones vary in intensity, ranging from mild disturbances to severe and devastating storms.

When do cyclones occur in Australia?

Australia experiences a high occurrence of tropical cyclones, primarily between November and April, peak months being between December and January.

Most at risk locations

The entire northern coastline of Australia experiences cyclones, but some areas are at a much higher risk than others. Here's a breakdown of the most at-risk locations:

  • Northwest coast of western Australia (between Broome and Exmouth): This region sees the most frequent and intense cyclones in the country.
  • Norther Territory: This region experiences multiple cyclones each year during cyclone season.
  • Queensland's coast north of Bundaberg: This area is susceptible to cyclones, with cyclones also impacting other parts of Queensland with heavy rain and strong winds.

It is important to note that cyclones can also sometimes hit other parts of Australia outside these regions. The combination of driving winds and torrential rain of even weaker cyclones are a threat to property and can cause loss of revenue from interruption to normal trading or prevention of access.

How to prepare for a cyclone?

To prepare your business or home for a cyclone follow these steps:

General preparedness:

  • Stay informed: Regularly check weather forecasts and warnings from reliable sources.
  • Maintain your property:
  • If in a tenanted property, report any issues to your landlord.
  • Inspect and maintain windows, doors, and roofs.
  • Trim overhanging branches and trees.
  • Secure or bring indoors any loose outdoor items.
  • Create an emergency plan: Develop a comprehensive plan for evacuation, communication, and safeguarding important assets ensuring all staff are trained/aware of the plan.
  • Review insurance coverage: Consult your broker to check your insurance policy ahead of cyclone season to ensure that it fully covers probable losses.

Pending event:

  • Stay updated: Monitor weather updates and warnings closely. When the BOM issues warnings 24 hours before expected gale force winds, act immediately.
  • Secure your premises: Secure windows and doors with weather shutters or other protective coverings.
  • Protect Important Assets: Back up data and move valuable equipment to safe areas.
  • Communicate: Inform employees about the emergency plan and their roles.
  • Test backup systems: Ensure generators or uninterruptible power supplies are in working order.

Post-event:

  • Ensure the safety of you and your staff: Check for hazards such as downed power lines, damaged structures, or unstable trees before going outside.
  • Follow the directions of local authorities: Take instructions from emergency services or local government agencies.
  • Check utilities: Verify the status of water, gas, and electricity. Contact utility companies if needed.
  • Clear debris: Safely remove any fallen branches or debris or contact the State Emergency Services (SES) if not safe to do so.
  • Address repairs: Make necessary temporary repairs to prevent further damage or ensure safety.
  • Document damage: Record or photograph any cyclone-related damage for insurance purposes.
  • Stay informed: Keep updated on local news and recovery efforts.
  • Seek assistance: Reach out to authorities, community organisations, or support networks if needed.
  • Contact Gallagher: As soon as possible, provide detailed information and evidence of the damage.

General preparedness:

  • Stay informed: Regularly check weather forecasts and warnings from reliable sources.
  • Maintain your property:
    • If in a tenanted property, report any issues to your landlord.
    • Inspect and maintain windows, doors and roofs.
    • Trim overhanging branches and trees.
    • Secure or bring indoors any loose outdoor items.
    • Park vehicles under cover protects them from potential damage
    • Create an emergency plan: Develop a comprehensive plan for evacuation, communication, and safeguarding important assets.
    • Review insurance coverage: Consult your broker to ensure your policies provide adequate coverage for cyclone-related damages.

Pending event:

  • Stay updated: Monitor weather updates and warnings closely.
  • Secure your premises: Secure windows and doors with weather shutters or other protective coverings.
  • Protect important assets: Move valuable items to a safe area. Make sure your vehicle has fuel and packed with the required supplies
  • Test backup systems: Where available ensure generators or uninterruptible power supplies are in working order.

Post-event:

  • Ensure your safety: Check for hazards such as downed power lines, damaged structures, or unstable trees before going outside.
  • Follow the directions of local authorities: Take instructions from emergency services or local government agencies.
  • Check utilities: Verify the status of water, gas, and electricity. Contact utility companies if needed.
  • Clear debris: Safely remove any fallen branches or debris or contact the State Emergency Services (SES) if not safe to do so.
  • Address repairs: Make necessary temporary repairs to prevent further damage or ensure safety.
  • Document damage: Record or photograph any cyclone-related damage for insurance purposes.
  • Stay informed: Keep updated on local news and recovery efforts.
  • Seek assistance: Reach out to authorities, community organisations, or support networks if needed.
  • Contact Gallagher: As soon as possible, provide detailed information and evidence of the damage.

Cyclone warning information

Remember, each cyclone event is unique, and it is essential to follow any specific advice or instructions provided by local authorities or emergency services in your area. The BOM issues cyclone warnings in three stages.

It is important to stay updated with weather forecasts, warnings, and information from reliable sources such as the BOM and local emergency services. Following their advice and taking necessary precautions can help ensure personal safety during cyclones.

Essential resources for cyclone preparedness

Emergency resources

Police/Fire/Ambulance: 000
State Emergency Service (SES): 132 500
Police attendance: 131 444


Claims resources

Gallagher 24/7 claims 1800 254 287 hotline.
Alternatively use the online claims form to lodge a case with us.