Thanks to Sean O’Brien for this information
So this has happened!
Hopefully you’re not trying to renew your home & contents insurance right now

A Disaster Declaration is a frequently updated list of Local Government Areas (LGA) that have been impacted by a natural disaster. With a disaster declaration for their area, affected communities and individuals can access a range of special assistance measures. Disaster declarations are issued by the NSW Government and incorporate an Australian Government reference number (AGRN).
https://www.nsw.gov.au/disaster-recovery/natural-disaster-declarations