THE HOME that Kirralee Furner shares with her fiance Bodean (Bodie) Masman and their two children, Ava and Mac Masman, six kilometres from Carinda was inundated by floodwater on the evening of 23 October and the family have little hope of returning before Christmas.

"The water had been around us for two months," Ms Furner said. "We went out for the night and stayed in town. When we came back in the morning, the house was underwater."

The family made their way home by four wheel motorbike until it succumbed to the water and broke down along their flooded driveway about one and a half kilometres from the house .

"We had to wade through water up to my waist, it was up to the kids' chests so they were swimming as we got closer," she said.

"We went over the levee and looked up and saw the water was in the house."

The Masman family have owned the property 'Wamerawa' for many years and Bodie's father Allen Masman had built a levee to protect the house after the 1974 floods.

The water that flooded their property came down the Marthaguy Creek and friends upstream closer to Quambone warned them that the water would be high.

Ms Furner says that they had taken precautions by topping up the levee in the days prior to the peak.

ABOVE: The submerged property near Carinda. PHOTOS SUPPLIED.

"They said it was going to be big," she said.

"We spent five days on the shovel building it up, so it was three or four feet high but it just went over the top."

"It would've risen 12 inches in that one night."

While the most of contents of their house were submerged, Ms Furner says the biggest tragedy was the loss of a litter of pups.

"I'm a dog breeder and we have 28 dogs, Cavoodles and Moodles," she said. "The bigger dogs jumped up on their kennels but we lost three puppies."

"We went in with a tractor a few times and got the important stuff like the dogs, but we can't risk going back in there now," Ms Furner said.

"The only way we got out was in a tinny packed with all the dogs in cages, pulled behind a tractor."

"The water is still in there, still all around the house but we can't risk losing the tractor," she said.

BELOW: Young Mac Masman talks to the rescued dogs after they were unloaded from the bucket of the front-end loader.

The family is now staying in Carinda in a house belonging to relatives.

Their six-year-old son is attending primary school and their five year old daughter goes to preschool three days a week - providing a much-valued dose of normality for the family.

As if the destruction to their house and worldly goods was not enough, Ms Furner says they also believe that a mob of around 3000 sheep in a paddock beyond the levee have also been lost.

"They were lambing so we couldn't move them. We left them on a dry knob but I'd say they're gone," she said.

"It's a lot worse than the drought and we were only just getting back on our feet from the drought."

"Only two or three years ago it was a dustbowl, now we're a fishbowl and the flies and pigs are eating the sheep. 

"When they were about to have lambs they'd go down and the pigs would come in and eat the lambs."

"And of course the insurance companies always put 'flooding not included' in their policy," she said.

"We've had lots of help, people in town have been really good."

"It's just a waiting game now. We can't get down our driveway," Ms Furner said. "We'll have to see how long the water sits in there and we'll have to pump the water out."

With more rainfall over the weekend and further water coming from upstream, there is a chance of further inundation.

"It's going to be a terrible Christmas," she said.

It is believed that two other houses not far from Carinda, on 'Lochinvar' and 'Belah', have also been flooded.

The family reported a further 47mm of rain on Sunday 13 & Monday 14 November.