Narromine resident Lyn Jablonski says her home insurance premiums have gone up five-fold in just 12 months despite the town not having flooded for 68 years.
The Narromine Shire councillor said the last major flood in the levee-protected town was in 1955, when sporting fields were inundated.
"Most of the insurance companies will not allow you the option to exclude flood insurance, and I'm pretty damn sure we won't get one again," Cr Jablonski said.