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Entire towns have been inundated and more could go under as the deluge that's swamped Queensland makes its way towards the sea.
Some communities have seen their worst flooding in 50 years, sparking mass evacuations and disaster declarations in the inland towns of Theodore, Chinchilla and Dalby.
Almost the entire 300-plus population of Theodore, inland from Bundaberg, is being evacuated by chopper with flood waters from the Dawson River covering most of the town.
Banana Shire acting mayor Maureen Clancy said the vast majority of the town was under water, with the river at 14.46 metres and rising.
"It's exceeded the 1956 flood level that's been used as a benchmark for many many years," she told AAP, adding that the community of Wowan, north of Theodore, was also entirely underwater.
Shire Councillor Vaughn Becker said even the safe haven set up in Theodore for evacuees was flooded.
"There is water actually in our evacuation hall," he told the ABC.
"There's water right through the CBD and around the town, so it's a pretty drastic situation."
In Dalby and Chinchilla, in the Western Downs Regional Council area west of Brisbane, the situation is also very serious.
The swollen Myall Creek has split Dalby in two, with more than 100 homes inundated and residents taking refuge in evacuation centres.
At Chinchilla, Charleys Creek has reached levels not seen for almost 70 years with about 40 homes and businesses inundated and residents also holed up at an evacuation centre.
Western Downs Mayor Ray Brown, who has toured the communities by air, says there's a vast amount of water upstream still to come down through the towns.
"... There's an enormous amount of water still coming and I think that's the problem, the unknown we've got to face," he told the ABC.
Western Downs councillor Bill McCutcheon said the situation in Chinchilla was "quite dire" with the water up to the roof lines of some shops.
"We're in totally uncharted territory. The bureau has no idea how high it (the creek) will go. The water is still rising, there's a lot of water to come down," he told the ABC.
The state government on Tuesday declared a disaster situation in Theodore, Chinchilla, Dalby and nearby Warra, and Alpha and Jericho west of Emerald.
Emergency Services Minister Neil Roberts said the flood crisis was still unfolding and more evacuations could be necessary. He said the disaster declarations gave police the power to force people to leave their homes.
Before leaving to tour flooded communities with Deputy Premier Paul Lucas, Mr Roberts said the damage bill, particularly for roads, would be very high.
Flood-hit councils have dismissed an early estimate of $A600 ($NZ769) million as extremely conservative.
Mr Roberts said financial relief was available for residents hit by floods and emergency assistance to primary producers could also be extended.
AgForce said the floods had cost grain farmers an estimated $A400 million and the bill would certainly rise.
"... That is very conservative and we won't know for a few weeks until the waters have receded,'' AgForce president Brent Finlay told AAP.
"There are a number of crops in southern inland areas that hadn't been harvested and all that grain is probably lost now. Plus there'll be impacts on summer crops that are now under water ..."
The Bureau of Meteorology says the crisis is far from over with many river systems continuing to rise amid forecasts for more rain.
But the good news is: the widespread, heavy falls that have caused so many problems are on their way out.
Rainfall will moderate over the next few days, with flood-hit inland areas trending towards fine weather by the end of the week, the bureau says.
Meanwhile, all eyes are on the river systems. The Burnett, Fitzroy and Condamine river systems are of most concern.
Bureau hydrologist Jeff Perkins said flooding was expected to continue for at least a fortnight at Theodore as rain that's already fallen makes its way downstream.
He said Emerald would see water levels similar to the 2008 flood and the floods at Alpha and nearby Jericho were the highest since 1990.
Rockhampton, on the Fitzroy River, would see a strong moderate flood of eight metres this week, with the potential for it to reach the major flood level of 8.5m next week, Mr Perkins said.
He said Mundubbera was the main town inundated on the Burnett river system and evacuations were taking place there.
"We're expecting the water to continue to rise for the next 12 to 18 hours and peak at 20 metres," he told the ABC.
"It will move down to Gayndah which will start being affected tomorrow. It will be the biggest flood since 1942 at Gayndah. The water will continue down and reach Bundaberg next week where it will be the highest since 1971."
He said flood levels should be easing now at Dalby, Chinchilla and Warwick.
The crisis has forced a record number of road closures across the state.
More than 300 roads are closed, including locations on seven major highways.
- AAP
