A study by MacQuarie University professors John McAneney and Kevin Rochie points to societal changes, increase in population, wealth and inflation as the reason the cost of destruction brought about the the flooding in Queensland rose and not climate change. Across different natural hazards and jurisdictions, some 22 separate peer-reviewed studies of weather-related natural disaster events now attest to this fact.

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McAneney and Roche work for Risk Frontiers, an independent research centre at Macquarie University which is devoted to the understanding and pricing of catastrophe risks for the insurance and emergency management sectors. John McAneney is the Director of the Centre. Kevin Roche is a PhD candidate. Recently Roche's paper on Policy Options for Managing Flood Insurance was published in the journal Environmental Hazards.

Roche and McAneney say the problem is that we now have more people living in vulnerable areas, with more to lose. And in Australia, migration of people towards the coast has meant that South Eastern Queensland and Northern NSW are amongst the most rapidly growing areas in the country. The footprint of the current Brisbane flooding is very similar to the 1974 flood, but the value of assets and the population at risk has increased enormously in the intervening years.

The researchers say there are those who, as was the case for the losses incurred in the 2009 Black Saturday fires, will lay the blame on global climate change. Comments such as those made by the Greens' Leader, Senator Bob Brown, blaming the coal industry for the floods are a distraction and do not acknowledge the accumulated and rapidly growing risk that exists in the absence of any change in climate, they say.

To what extent climate change is implicated in terms of the rainfall, is a perfectly legitimate question, though not one easily answered. Seeking to blame the human tragedy in its entirety on climate change, however, is simply looking in the wrong direction, the researchers say.

They note that the city of Brisbane, like many other towns in Queensland, is built on a floodplain. Compared with the current disaster, there have been even bigger floods in the past: in 1841 and 1893 when flood waters topped 8.35 meters, some 3.9 m above the latest peak. After the 1974 floods, the Senior Engineer with the Hydrometeorology Branch of the Bureau of Meteorology, G. Heatherwick, warned that heavier rainfalls were possible over the Bremer river catchment with higher flooding in Ipswich, independent of the flood mitigation effects of the Wivenhoe Dam.

This is not to deny that climate change is a real concern say the researchers - few continue to believe that only positive outcomes will arise from the continued heating of our planet. The latest research, however, just published in the international journal Environmental Research Letters by Risk Frontiers Ryan Crompton and McAneney together with the University of Colorado Boulder's Roger Pielke Jr. suggests that it may be centuries until we can be confident that climate change is influencing disaster losses.

An article, published January 4 about their research also appeared in the New York Times. (http://www.nytimes.com/cwire/2011/01/04/04climatewire-finding-the-fingerprints-of-climate-change-i-22773.html?emc=eta10

Roche and McAneney say if we truly wish to reduce the scale of future disasters in Australia, we need risk-informed land planning policies with risks appropriately priced by an active insurance market. In simple terms, for flood and bushfire, this means an end to unmanaged development of flood plains or within bushlands.

In the Black Saturday fires, studies by Risk Frontiers showed that 25 per cent of the home destruction in the most affected towns of Marysville and Kinglake took place physically within bushlands; 60 per cent occurred within 10 m of bushland boundaries. At these distances, chances of home survival are low and not surprisingly few resisted the flames.

At the beginning of last century, lives and property were lost to bushfires as people lived and worked in the bush; today the problem remains as people chose to live in or near the bush for lifestyle reasons. The analogy to floodplains is obvious, the researchers say.

Extreme weather is not new to Australia with some 95 per cent of all property losses in natural disasters since 1900 attributable to flood, hail, bushfire or tropical cyclones. However, excluding the case of improved construction standards for residential homes in cyclone-prone areas of the country, successive Australian governments, at all levels, have failed to address short comings of land policy solutions to mitigate against the potential impacts of natural disasters, Roche and McAneney say.

In the emotive days after the Black Saturday fires of 2009, they note that the then Australian Prime Minster, Kevin Rudd, stated that we would rebuild impacted communities "brick by brick." There was no immediate consideration about reducing risks. Roche and McAneney say they hope the official reaction to these floods is more measured.