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Janice Rattray has lived in her home in Koolewong on the NSW Central Coast for 11 years. It was completely destroyed on Saturday, with Janice having no time to recover a single possession — or save her pets.
“We took nothing. I didn’t even have my purse. I just walked straight out,” she told SBS News.
“I’m saddest about losing my cats”.
Janice said the fire front moved alarmingly quickly towards her home, which she shared with her daughter Elise plus her daughter’s partner Nick Gibbs and the couple’s young son Oscar.
“We saw all that fire and Nick said: ‘we’ve got to go, we’ve got to get out of here’.”

A father’s quick thinking and bravery were highlighted when he rushed down a scorching tar road without shoes, carrying his baby on his shoulders. The heat was so intense that he burned the soles of his feet, necessitating an overnight stay in the hospital.

She said the family watched their home’s destruction.
“We went down to the park and watched it all happen. We get a direct line from the park straight up to the house, so we could see it burn.
Janice says the family has four nights of crisis accommodation through the Diggers while locals had offered them short-term accommodation.
“We’ve been here 11 years and never had to evacuate … I’m at a loss,” she said.
Firefighters holding a hose and putting out a fire.

In response to severe bushfire activity, natural disaster declarations have been issued across six local government areas in New South Wales, granting access to federal and state aid. These areas include Central Coast, Mid Coast, Upper Hunter, Dubbo, Muswellbrook, and Warrumbungle.

As of Sunday morning, approximately 76 bush and grass fires continued to rage in New South Wales, following a period of extreme heat. Further north, in Bulahdelah on the Mid North Coast, four additional homes have been destroyed by the fires.

Authorities are urging residents to have a bushfire preparedness plan. “Be ready to evacuate at a moment’s notice,” they caution, emphasizing the importance of readiness in these unpredictable conditions.

Forecasters warn this could be the start of a difficult summer.
The Bureau of Meteorology’s (BoM) long-range outlook predicts above-average temperatures across most of Australia and below-average rainfall for large areas — creating drier conditions that elevate fire risk.
That combination means “significant bushfires” are possible in January and February, the BoM says.
The Australian and New Zealand Council for Fire and Emergency Services (AFAC) has also flagged a “heightened risk” for fires in parts of Western Australia, NSW, and Victoria, driven by long-term rainfall deficits, high fuel loads, and persistent soil moisture deficits.
Minns said it remains difficult to predict the season’s severity, but urged preparedness.
“We can’t set in stone what summer will look like,” he said on Sunday. “Because of uncertain weather predictions, it’s incredibly important you expect the unexpected.

“Have a bushfire preparedness plan in place and be ready to leave, maybe even at the drop of a hat.”

Burnt down homes with smoke around them.

Seventy-six fires were still burning across NSW on Sunday morning. Source: AAP / Dan Himbrechts

Prime Minister Anthony Albanese said he expected NSW to face “quite a difficult” fire season this summer, as destructive bushfires continue to burn across the state.

“This summer, of course, like all summers that would appear in recent times, is going to be a difficult one,” Albanese told ABC’s Insiders program on Sunday morning. “But New South Wales in particular has a range of pre-conditions for being quite a difficult one.

“Houses [were] lost yesterday. Fortunately, [there was] no loss of life — that is always the priority.”

What disaster declarations mean

A disaster declaration triggers access to funding that helps with both immediate relief and long-term recovery.

Residents, businesses, primary producers and councils can access:

  • Personal hardship and distress assistance, including emergency accommodation and cash payments.
  • Recovery loans and concessional loans for small businesses and primary producers.
  • Counter-disaster operation support.
  • Community recovery funds.
  • Cleanup and recovery grants.

Hardship grants will also be available for people who have lost their homes.

Minns said the grants would allow businesses and local councils to access support, with state officials on the ground to help residents.
“They can supply immediate accommodation support, cash in some circumstances … that may be absolutely essential,” he said on Sunday morning. “I’ve spoken to some families that have lost their phone, lost everything, medications, the whole lot.”
Minister for Recovery Janelle Saffin said the government “moved quickly” to provide basic assistance.

“To the people who are today in shock and distress, I [send my] sympathy to them, and just give assurance that we will do everything we can to support them,” she said.

Ongoing problems with disaster payments

But historically, access to disaster funding has been far from smooth for some.
After 2019’s Black Summer bushfires, the National Bushfire Recovery Agency told the Royal Commission that eligibility for disaster-recovery payments “unfortunately” depended on where you live, with support varying even across local government boundaries.

Earlier this year, some communities also struggled to access adequate support off the back of Cyclone Alfred.

Taree local Holly Rankin told SBS News that many residents received a one-off federal payment of $1,000, but said it was nowhere near enough to address widespread loss.
“Thousands of families in Taree, Wingham and surrounds have lost everything,” she said. “Anyone who does a weekly budget knows that $1,000 will only last you a week.”
“These people are standing in the face of an immense financial burden.”
In the first six months of 2025, natural disasters cost the economy $2.2 billion, according to federal treasury analysis.
— With additional reporting by the Australian Associated Press.

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