The committee recommends that the Australian Climate Service and the National Emergency Management Agency work with all levels of government and industry to establish and maintain a national disaster risk map and database, covering all types of natural disasters in Australia, which is accessible to the public.

That the Australian Government develop an intergovernmental agreement on climate data and information.

That the National Climate Service establish and grow a knowledge brokering service that assists users to find the data, information and advice needed to resolve their climate questions and understand the uncertainty inherent in climate models.

That the Australian Government develop a long-term national strategy and funding approach for computational infrastructure and data storage for climate data and modelling.

That the Australian Government review and update the COAG Roles and Responsibilities for Climate Adaptation in Australia.

That the National Climate Service 5.2 establish a portal for climate information, products and services sourced from across a range of quality assured providers that:
5.2.1. gradually builds over time a library of open-source climate information products and services
5.2.2. provides publicly available, up-to-date climate information for Australia (including states and territory regions and coastal zones, Australia’s oceanic Exclusive Economic Zone and external territories)
5.2.3. presents information in easy-to-understand ways with a variety of formats for download and visualisation
5.2.4. includes external, reputable information from up-to-date sources domestically and around the world, including from other national and transnational climate services.

That the National Climate Service develop robust quality assurance processes for data, tools, information and services provided by the National Climate Service and made available on the climate information portal.

That the National Climate Service conduct a gap analysis of Australia’s climate data and information needs and user literacy and refresh this regularly.

That the National Climate Service promote data standards to integrate and connect data from different fields, aligned with international best practice.

That the Australian Government require, and fund as necessary, the responsible agencies to uplift natural hazard data inputs to a level required by the National Climate Service and the National Emergency Management Agency, with co-ordination of data for emergency management (e.g. hazard extent mapping, forecasting and tracking of historical events) to be managed by National Emergency Management Agency and hazard projections to be co-ordinated by the National Climate Service.

That the Australian Government require the National Emergency Management Agency make its data and products opensource and accessible to government and the public wherever possible.

That the Australian Government signal to partners and suppliers that the National Climate Service is open to collaborating and data sharing

That the Australian Government require all publicly funded climate models to be published on the National Computing Infrastructure with minimal restrictions, to encourage wide reuse and scientific scrutiny.

That the Australian Government concentrate on servicing Commonwealth and then state and territory agencies while a strategy to expand to broader services for the public is developed

That the National Climate Service Improve access and usability of climate information by making Commonwealth-funded products free and open-source by default.

That the Australian Government establish an appropriate data solution (e.g. a data platform) to publish climate and hazard data; enable federated data curation including for domain data; support access for a broad range of data providers and public; create data insights and publish information as needed.

The Committee recommends that the Australian Government continue to work with the insurance industry through the Hazards Insurance Partnership to collate:
- data contained in the National Flood Information Database, and
- household-level data held by insurers (de-identified where appropriate).

The Committee recommends that the Australian Government ultimately move towards a national, centralised, public-facing portal containing flood risk data at the household level for:
- all households and small businesses across Australia, and
- all land being considered for release for development and all land that has been released for development, but not yet developed.
Agencies tasked with developing the portal should reflect upon governments’ past efforts to develop similar portals and lessons learnt. The portal should be easily accessible, user friendly and display high-quality flood risk information in a way that is readily understandable to communities. That before data is released on such a portal for existing properties (residential and small business), that the entity creating the flood study release that data through a staged process involving appropriate community consultation and engagement.

The Committee recommends that the Australian Government work with state and territory governments to ensure flood maps are produced to a high standard across the nation, regardless of the size of the local government area producing the modelling. This may require:
- increased funding for local government areas and water authorities, and
- the development of agreed standards to ensure that flood mapping is completed to at least an agreed minimum standard.
That, over time, this higher quality flood modelling be made freely accessible to homeowners and the general public along with easy to understand information about flood risk exposures at each property. This may be best undertaken in the first instance by local councils and/or water authorities responsible for generating the flood modelling, consistent with Recommendation 3 of the Actuaries Institute’s Funding for Flood Costs report (August 2023).

The Committee recommends that state and territory governments remove state-based taxes on general insurance products and shift the tax burden toward less distortionary taxes. Where state or territory governments reduce taxes or levies on insurers, that insurers commit to passing these savings on in full through lower premiums.

The Committee recommends the Australian Securities and Investments Commission consider seeking data from insurers on their performance based on the metrics recommended in Recommendation 51:
- Quarterly, for business-as-usual operations
- Monthly, for each declared event.

The Committee recommends that all levels of government should work together to ensure that, as far as is possible, people don’t need to resubmit the same information multiple times for different disaster support. Just as insurers should aim for one point of contact, government should aim for ‘tell your story once’.

The Committee recommends that the Australian Securities and Investments Commission and the General Insurance Code Governance Committee share data so that it is possible to evaluate breaches of the General Insurance Code of Practice in the context of an insurers’ overall claims profile.

The Committee recommends the Australian Government and Insurance Council of Australia explore measures to facilitate the exchange of substantiated information about the resilience of a property to insurers, including new mitigation measures undertaken through state-based grant and loan programs.

The Committee recommends that the General Insurance Code Governance Committee publish aggregate data on code breaches by clause, individual insurer, and brand.

The Outcomes Policy should be subject to periodic review by the Productivity Commission (or a similar entity with an evaluation focus) to provide advice to government on the degree to which the outcomes are being realised and provide suggestions for improvement.

The Commonwealth should prioritise its data coordination efforts, including the provision of timely decision relevant information to assist decision makers to manage their risks and satisfy their disaster management objectives.
- Relevant data includes disaster risk information, climate hazard impact, capability and capacity information and vulnerability data.
-The data provided should be in a format that is usable by decision makers across all levels of government.

The Commonwealth should engage with state and territory governments on the design and implementation of the Outcomes Policy.

The Commonwealth should require all Commonwealth government departments and agencies to incorporate natural disaster risk reduction and resilience into department or agency strategic considerations.

The Commonwealth should ensure consistency with state and territory governments by also mandating regular capability assessments of all non-self-governing Australian territories that are administered by the Commonwealth to inform the Risk Profile.
- This should ensure that all non-self-governing Australian territories administered by the Commonwealth are considered in and eligible for disaster management support in the form of the DRFA, DRF and other related funding programs.

The Committee recommends that the Australian Government work with state, territory and local governments and road agencies, including Austroads and the National Transport Research Organisation, to address existing road asset data gaps by developing a comprehensive understanding of the road network condition and standardised road asset dataset, with agreement on the following:
- a common definition of road asset data
- a consistent format across road asset data collection and storage.

The Committee recommends that the Australian Government encourage its state and territory counterparts to work with local governments to facilitate local council collectives to deliver road asset management projects and to guide voluntary road user agreement negotiations with industry.

The Committee recommends that the National Emergency Management Ministers’ Meeting include infrastructure resilience on its agenda to foster cross-agency collaboration and coordination across the Australian Government.

The Committee recommends that the Australian Government work with state and territory governments to establish consultation mechanisms with local governments to consider road infrastructure priorities at the local level.

For future emergency response programs, the Department of Climate Change, Energy, the Environment and Water develop requirements for service provider reporting that enables output and outcome data to be compared or aggregated to provide assessment of progress at the program level.

State and territory governments should update and implement the National Framework to Improve Government Radio Communications Interoperability, or otherwise agree a new strategy, to achieve interoperable communications across jurisdictions. 

Australian, state and territory governments should agree to: 
(1) develop consistent and compatible methods and metrics to measure health impacts related to natural disasters, including mental health, and 
(2) take steps to ensure the appropriate sharing of health and mental health datasets. 

Each state and territory government should establish an independent accountability and assurance mechanism to promote continuous improvement and best practice in natural disaster arrangements. 

The Australian Government should enhance national preparedness for, and response to, natural disasters, building on the responsibilities of Emergency Management Australia, to include facilitating resource sharing decisions of governments and stress testing national disaster plans. 

Australian, state and territory governments should establish a national register of fire and emergency services personnel, equipment and aerial assets. 

Australian, state and territory governments should ensure that personal information of individuals affected by a natural disaster is able to be appropriately shared between all levels of government, agencies, insurers, charities and organisations delivering recovery services, taking account of all necessary safeguards to ensure the sharing is only for recovery purposes. 

Australian Government agencies should work together across all phases of disaster management. 

Australian, state and territory governments should continue to develop a greater capacity to collect and share standardised and comprehensive natural disaster impact data. 

Australian, state and territory governments should develop national air quality forecasting capabilities, which include broad coverage of population centres and apply to smoke and other airborne pollutants, such as dust and pollen, to predict plume behaviour. 

Australian, state and territory governments should establish an authoritative advisory body to consolidate advice on strategic policy and relevant operational considerations for ministers in relation to natural disasters. 

Australian, state and territory governments should create common information platforms and share technologies to enable collaboration in the production, analysis, access, and exchange of information, data and knowledge about climate and disaster risks. 

Australian, state and territory governments should adopt procurement and contracting strategies that support and develop a broader Australian-based sovereign aerial firefighting industry. 

Australian, state and territory governments should develop consistent processes for the classification, recording and sharing of fuel load data. 

Australian, state and territory governments should restructure and reinvigorate ministerial forums with a view to enabling timely and informed strategic decision-making in respect of:
(1) long-term policy improvement in relation to natural disasters
(2) national preparations for, and adaptation to, natural disasters, and
(3) response to, and recovery from, natural disasters of national scale or consequence including, where appropriate, through the National Cabinet or equivalent intergovernmental leaders’ body. 

Australian, state and territory governments should prioritise the implementation of harmonised data governance and national data standards. 

State and territory governments should take steps to ensure that there is better interaction, planning and ongoing understanding of Australian Defence Force capabilities and processes by state and territory fire and emergency service agencies and local governments. 

Australian, state and territory governments should ensure greater consistency and collaboration in the collation, storage, access and provision of data on the distribution and conservation status of Australian flora and fauna. 

The Australian Government amends regulations so that background checks and the requirement to hold an Aviation Security Identification Card are only required for unescorted access to Security Restricted Areas, not for general airside access. This approach would align with international practice.

The Australian Government appoints an additional Australian Transport Safety Bureau Commissioner with aviation operational and safety management experience.

The Australian Government develops the State Safety Program into a strategic plan for Australia’s aviation safety system, under the leadership of the Aviation Policy Group, and uses it as the foundation for rationalising and improving coordination mechanisms.

State and territory taxes and levies on general insurance should be phased out and replaced with less distortionary taxes.

State governments, where they have not already done so, should provide local governments with statutory protection from liability for releasing natural hazard information and making changes to local planning schemes where such actions have been taken ‘in good faith’ and in accordance with state planning policy and legislation.

State and territory governments should:
• clearly articulate the statewide natural hazard risk appetite in land use planning policy frameworks by identifying the risks posed by natural hazards and specifying appropriate planning controls for each given level of risk
• provide local governments with guidance on how to prioritise competing objectives within land use planning
• provide local governments with guidance on how to integrate land use planning and building standards. Consideration should be given to Victoria’s Integrated Planning and Building Framework for Bushfire in this regard.
State and territory governments should regularly review their published risk appetite and guidance documentation to ensure it is up-to-date, accessible and incorporates relevant hazard information.
Local governments should record the reasoning behind development assessment decisions, where they do not do so already, and (at a minimum) provide this information to the public upon request.

Governments should task the Australia–New Zealand Emergency Management Committee with leading the development of guidelines for the collection and dissemination of natural hazard mapping, modelling and metadata. Guidelines should be developed for all hazards that need to be modelled and mapped at the local/regional level and where consistency across regions is desirable.

State and territory governments should prioritise and accelerate implementation of the Enhancing Disaster Resilience in the Built Environment Roadmap, including reviewing the regulatory components of vendor disclosure statements. The Land Use Planning and Building Codes Taskforce should be tasked to identify and consider options for regular, low-cost dissemination of hazard information to households by governments and insurers.

Governments at all levels should make new and currently held natural hazard data publicly available in accordance with open public sector information principles. When collecting new natural hazard data or undertaking modelling, all levels of government should:
• make information publicly available unless it would not be in the public interest to do so
• use private-sector providers where cost effective, and use licencing arrangements that allow for public dissemination. Where there are costs involved in obtaining intellectual property rights for existing data, governments should weigh up these costs against the public benefits of making the data freely accessible
• apply cost recovery where governments are best placed to collect or analyse specialist data for which the benefits accrue mostly to private sector users.

State and territory governments should be required to report on the following accountability requirements:
• published risk assessments in accordance with the National Emergency Risk Assessment Guidelines
• transparent natural disaster liabilities in state and territory government budgets
• asset registers and asset management plans at the state, territory and local government level that incorporate natural disaster risk
• implementation of the Enhancing Disaster Resilience in the Built Environment Roadmap
• effective mechanisms to identify and prioritise mitigation spending based on cost–benefit analysis and transparent decision making.
Specifically, effective mechanisms to identify and prioritise mitigation spending should include:
• project proposals that are supported by robust and transparent evaluations (including cost–benefit analysis, public consultation and assessment of non-quantifiable impacts), and that are consistent with state risk assessments
• considering alternative or complementary mitigation options (including structural and non-structural measures)
• using private funding sources where it is feasible and efficient to do so (including charging beneficiaries)
• transparent ex-post evaluation of mitigation projects.
The Australian Government should continue with the three-yearly reviews of state and territory governments’ insurance arrangements. The reviews, and government responses to their recommendations, should be published.

State and territory governments should develop benchmark prices for the reconstruction of essential public assets and submit these to the Australian Government for approval within one year. In developing these prices, they should consult with local governments and relevant experts, and draw on asset management plans. The prices should be reviewed and updated over time.

Department of Broadband, Communications and the Digital Economy to review the content of the Government’s digital business website at www.digitalbusiness.gov.au and liaise with the Department of Industry, Innovation, Climate Change, Science, Research and Tertiary Education, which manages the www.business.gov.au, to ensure these business advice sites provide appropriate information regarding business continuity planning in the event of telecommunications outages.

The committee recommends that the Commonwealth government works with state and territory governments to continue to implement the recommendations of the Productivity Commission report, where possible, to improve coordination in relation to climate change adaptation.

Increased automation and outsourcing of observations

The Committee recommends that the Australian Government empower the Australian Securities and Investments Commission to regulate claims handling and settlement of financial service providers. This can be achieved by the Treasurer introducing legislation by 1 July 2012 to give effect to the measures contained in Schedule 1, Part 1 of the lapsed Insurance Contracts Amendment Bill 2010, so that breaches of the duty of utmost good faith in relation to claims handling constitute a breach of the Insurance Contracts Act.
This would enable the Australian Securities and Investments Commission to:
- monitor and regulate claims handling and settlement processes;
- impose sanctions on insurance companies, under Australian Financial Services Licence remedies, on behalf of consumers; and
- negate the current exemption of claims handling and settlement from the definition of financial services for the purpose of the Corporations Act 2001.

The Committee recommends that the Australian Government introduce legislative changes required to remove the exemption for general insurers to unfair contract terms laws, and ensure its enactment by the end of 2012.

The Committee recommends that the Australian Parliament pass the Insurance Contracts Amendment Bill 2011 and ensure its enactment by 1 July 2012. The Committee further recommends that the standard definition of ‘flood’ be included in the definition of Standard Cover in the Insurance Contracts Regulations 1985.

State and territory taxes and levies on general insurance constitute a barrier to effective adaptation to climate change. State and territory governments should phase out these taxes and replace them with less distortionary taxes.

Local governments’ uncertainty about their legal liability is a barrier to effective climate change adaptation. State governments should clarify the legal liability of councils with respect to climate change adaptation matters and the processes required to manage that liability.

To help clarify roles and responsibilities of local government for climate change adaptation, the state and Northern Territory governments should publish and maintain a comprehensive list of laws that delegate regulatory roles to local governments. This would assist both state and local governments to assess whether local governments have the capacity to discharge their roles effectively.

Australian governments should implement policies that help the community deal with the current climate by improving the flexibility of the economy. This would also build adaptive capacity to deal with future climate change. This includes reforms to:
• taxes that influence the way resources are used, such as land tax exemptions and conveyancing duty, which could inhibit the mobility of labour or capital
• government transfers that reduce incentives to adjust to changing circumstances, such as reforms to drought support as outlined in the Productivity Commission’s 2009 inquiry
• regulations that impose unnecessary costs or inhibit competition or flexibility and could impede climate change adaptation by reducing the ability of businesses, households or other entities to respond to changing circumstances, such as restrictions to water trading.

That Ministerial Council on Mineral and Petroleum Resources liaise with Ministers with environmental and planning responsibilities, and if necessary Council of Australian Governments, to ensure that environmental requirements for oil and gas projects are not imposed subsequent to safety assessments and do not increase the risk of major accident events.

That Ministerial Council on Mineral and Petroleum Resources continue to support a duty of care safety case regime for best practice offshore petroleum industry regulation augmented to include regulation of integrity. Since the safety case is at the centre of the duty of care co-regulatory regime, we consider that the requirement for the implementation of the safety case at facilities involved in the exploitation of petroleum resources should be provided for within the Offshore Petroleum and Greenhouse Gas Storage Act 2006 itself.

The Committee recommends that the Australian Government establish a National Coastal Advisory Council to:
- provide independent advice to government
- advise the new coastal unit within the Department of the Environment, Water, Heritage and the Arts
- ensure community input into national coastal zone policy, planning and management

The Committee recommends that the National Coastal Zone Database be expanded over time to include information on environmental data and management and planning information relevant to the coastal zone.

The Committee recommends that the Australian Government, in considering its response to the Independent Review of the Environment Protection and Biodiversity Conservation Act 1999 (EPBC Act), take into account concerns about the EPBC Act and coastal zone management raised as part of this inquiry—in particular, the need to address the cumulative impacts of coastal development. This could be achieved by numerous means, including:
- a land clearing trigger
- defining coastal ecosystems as a matter of national environmental significance
- making more use of landscape-scale assessments through strategic assessments or bioregional plans

The Committee recommends that the Australian Government, in cooperation with state, territory and local governments, and in consultation with coastal stakeholders, develop an Intergovernmental Agreement on the Coastal Zone to be endorsed by the Council of Australian Governments. The intergovernmental agreement should:
- define the roles and responsibilities of the three tiers of government—federal, state and local—involved in coastal zone management
- include a formal mechanism for community consultation
- incorporate principles based on strategic regional coastal planning and landscape scale/ecosystem based coastal zone management
- include an effective implementation plan with resources allocated to ensure that objectives are realised
- be overseen by a new Coastal Zone Ministerial Council
- be made public

The Committee recommends that the Australian Government, through the Australian Bureau of Statistics, ensure that:
- accurate and consistent methods of measuring the numbers and the impact of tourists and other non-residents in coastal areas are undertaken to enable resources to be better matched with demand for infrastructure and services
- improved data on long-term demographic trends in coastal areas is made available to assist in coastal zone planning and management

The Committee recommends that the Australian Government:
- expand the list of national priority areas identified under the Caring for our Country program to include climate change impacts on biodiversity
- give consideration in future funding rounds to projects that:
* involve working with state/territory and local governments to improve coastal land use planning
* seek to address loss of coastal habitat as a result of coastal development and population pressures

The Committee recommends that the Australian Government:
- consider the Victorian Government’s model of a sustainable coastal community as part of the proposed Intergovernmental Agreement on the Coastal Zone to be concluded through the Council of Australian Governments
- ensure an early response to the recommendations provided in the Sustainability for Survival: Creating a Climate for Change— Inquiry into a Sustainability Charter report and the Sustainable Cities report

The Committee recommends that the Australian Government establish a National Coastal Zone Database to improve access to and consistency of information relevant to coastal zone adaptation. The National Coastal Zone Database should be an online portal that allows ready access to:
- ‘first pass’ National Coastal Vulnerability Assessment data
- state and local Digital Elevation Modelling
- National Climate Change Adaptation Research Facility reports
- federal Local Adaptation Pathways Program reports
- state and local coastal vulnerability assessment results

The Committee recommends that the Australian Government, through the Council of Australian Governments process, examine the establishment of a system of national coastal zone environmental accounts, employing the model developed by the South East Queensland Healthy Waterways Partnership.

The Committee recommends that the Australian Government:
- work with the Natural Resource Management Ministerial Council and other stakeholders to develop an action plan to:
*ensure that coastal buffers, coastal habitat corridors and high ecological value areas are identified and included in Commonwealth, state and local government management processes
*ensure appropriate infrastructure planning and that land is made available to allow for the migration of coastal ecosystems
*promote cooperative ecosystem-based planning and management approaches across jurisdictions
*implement a nationally consistent coastal and marine biodiversity monitoring and reporting framework
*develop a targeted strategy to address key gaps in knowledge of coastal and marine biodiversity and improve access and sharing of knowledge and data
*develop regional climate change adaptation policies and plans and integrate them into coastal and marine bioregional planning processes
- ensure that all future national coastal zone policy incorporates these priorities, as well as future revised national sustainability, biodiversity, climate change and environmental policy frameworks

The Committee recommends that the Department of Climate Change share all data collected through vulnerability assessments undertaken as part of the Australian Government Local Adaptation Pathways Program on the proposed National Coastal Zone Database (see also recommendation 42).

The Committee recommends that the Australian Government:
- require that all Ramsar listed wetlands have effective and operational management plans and that resources are allocated by governments to monitor the implementation of these plans
- increase the number of coastal wetlands classified as Ramsar sites, particularly those classified as Nationally Important wetlands
- work with state and territory governments through the Natural Resource Management Ministerial Council, and in consultation with other stakeholders, to improve the management and monitoring of coastal wetlands, particularly Ramsar sites located in close proximity to development
- improve public awareness about what actions impacting on a Ramsar wetland should be referred to the Minister under the Environment Protection and Biodiversity Conservation Act 1999
- ensure that the National Guidelines for Ramsar Wetlands also include modules on the process for nominating Ramsar wetlands
- develop a climate change action plan for coastal Ramsar wetlands and Nationally Important wetlands

The Committee recommends that the Australian Government urgently commission a detailed climate change vulnerability assessment for Kakadu National Park, in consultation with the park’s traditional owners and other stakeholders and drawing on the results of the ‘first pass’ National Coastal Vulnerability Assessment of the park. This assessment should specifically focus on the vulnerability of Kakadu’s freshwater wetland systems to saltwater intrusion. A key outcome of the assessment should be the development of a Climate Change Action Plan for Kakadu National Park, with coordinated input from the Australian Government and Northern Territory Government, Indigenous land owners, researchers and other stakeholders.

The Working Group recommends the Australian Emergency Management Committee note that: 
• The Catastrophic Disasters Emergency Management Capability Review should be seen as the first phase of a multi-faceted work program
• The work program will need to be conducted over a number of years and deal with the implementation of any accepted recommendations arising from this report
• A collaborative national approach will be required to ensure successful implementation of the recommendations
• The process of researching risk and developing plans to reduce those risks and mitigate the consequences of disasters should be an ongoing iterative process. 

The Working Group recommends that the adequacy of existing national mortuary capability to meet the likely demands of a catastrophic disaster be assessed by State/Territory Coroners. This assessment should also consider the need for a mobile mortuary capability and involve discussions with the Australian Federal Police. 

The Working group recommends that the Australian Government take a leadership role with regard to addressing the national capability issues identified within this review. Further, that the States/Territories recognise and accept the collaborative nature of developing national capability and commit through engagement and consultation to assisting the Australian Government in this task.

The Working Group recommends that the Australian Government consider developing an overarching whole of government disaster plan that clearly articulates authority, roles and responsibilities of agencies, inter-departmental committees and key officials, to link the range of existing Australian Government disaster plans. 

The Working Group recommends that State/Territory Recovery Committees review their membership to ensure that it is reflective of community needs, including representation from the Insurance Disaster Response Organisation. 

The Working Group recommends that participants in the exercises designed to test continuity of executive government plans and procedures should be the office holders themselves. 

The Working Group recommends that all States/Territories and the Australian Government should regularly (annually) test their continuity of executive government plans and contingencies. 

The Committee recommends that Emergency Management Australia be required to participate in the development and delivery of spatial information systems as part of a national approach to emergency planning and management data. The first priority in policy development and of systems should be related to bushfire hazards.

The Committee recommends that Geoscience Australia take responsibility, in conjunction with Emergency Management Australia, for developing a national spatial data policy to coordinate the development of data systems, the collection of data and the sharing of data between all the emergency response agencies across Australia, and that both agencies participate in the development and delivery of spatial information
systems as part of a national approach to emergency planning and management data. The first priority in policy development and of systems should be related to bushfire hazards.

The Committee recommends that the Commonwealth through the Council of Australian Governments ensure that states and territories have adequate controls to ensure that local governments implement required fuel management standards on private property and land under their control.

The Committee recommends that the 1:100,000 national mapping program be accelerated to achieve an average life of no greater than 10 years with priority given to those areas most susceptible to national disasters.