* NSW State Emergency Service undergoes a restructure to better coordinate its response and handle relief efforts. This includes harnessing local knowledge, working with other rescue agencies, paying staff more and recruiting more volunteers.

* Resilience NSW should be axed unless it can provide a clear purpose. This reportedly echoes an independent report currently with Premier Dominic Perrottet.

* The NSW government considers funding relocations and land swaps for flood victims.

* Service NSW workers should be trained to staff relief centres in natural disasters. They should also be deployed in the wake of disasters quickly to process grant claims.

* The NSW government should push federal counterparts for a review of the Bureau of Meteorology's forecasting of floods.

* Funding should be made available to upgrade evacuation routes in the flood areas.

* Community groups, including First Nations groups, should be included in recovery plans.

* An overhaul of the relief grants claims process which left flood victims re-traumatised due to repeated interviews or being unable to access destroyed documents to prove eligibility.

FINDINGS:

* NSW SES, Resilience NSW were unprepared for the floods and failed to provide effective leadership while government agencies confused relief effort.

* The NSW government and Bureau of Meteorology underestimated the flooding.

* Appointment of NSW Police's Deputy Commissioner Mal Lanyon as a recovery coordinator improved relief efforts.

* Flood warnings were out of date, inaccurate or confusing.

* Telecommunications companies and the NSW government failed to ensure infrastructure was in place to support emergency communications.

* Resilience NSW did not work with community groups on recovery efforts and the lack of Service NSW assessors delayed access to relief payments.

Australian Associated Press