A body believed to be that of a woman who went missing in NSW floodwaters has been found on a riverbank in the state's central west, as the premier warns a major flood emergency is in full swing.
The 28-year-old went missing late on Sunday after a vehicle was swept off a causeway at Cooyal Creek at Gulgong, north of Mudgee.
Three people, including the 45-year-old male driver and two male passengers, escaped the vehicle, but the woman was swept away.
After an extensive search, police say the body of a woman believed to be the missing 28-year-old was found on the riverbank at 9:50am on Monday.
Premier Dominic Perrottet extended his condolences to the woman's family and friends, thanking SES rescuers involved in the search effort.
"We have a major flood emergency in full swing right across our state," Mr Perrottet told reporters on Monday.
"Do not drive into floodwaters. It is just as dangerous and we are seeing lives lost because people are not heeding the warnings."
Some 122 SES warnings are in place across the state, including 20 emergency evacuation warnings.
Some 43 local government areas are subject to a natural disaster declaration.
The premier reiterated pleas for people in evacuation zones to follow warnings and leave their homes when instructed to do so.
"Do not wait for a knock on the door from the SES. Please evacuate," the premier said.
The 550 SES members in the field, have taken 482 requests for help and carried out 37 flood rescues in the past 24 hours.
More crews are arriving from WA to lend a hand on Monday.
The Bureau of Meteorology's Steven Bernasconi says a low pressure system, around Yamba is bringing heavy falls to the Northern Rivers, however fears of major flooding have eased.
Forecast major inundations on the flood-ravaged town of Lismore and surrounds did not eventuate, as reduced falls left the Wilsons River only reaching minor flood levels over the weekend.
A severe weather warning that covered much of NSW was cancelled on Monday despite the Northern Rivers town of Alstonville receiving 233mm of rainfall in a 24-hour period, and multiple other areas receiving more than 100mm.
Widespread rain is falling over central NSW, the Illawarra and the southern coastal districts, with a chance of heavier falls on the coast on Monday afternoon, Mr Bernasconi said.
Rain and possible severe thunderstorms will continue on Tuesday across the South Coast, before the weather eases on Wednesday.
Some 26 flood warnings are current, including nine where flood levels will reach major levels.
There are also concerns about Moree in the far north, where the town is experiencing its worst flooding in a decade.
Farmers in the agricultural hub were just weeks away from harvesting crops, which are now destroyed.
The Mehi River at Moree peaked at 10.5 metres on Sunday and is expected to remain above the major flood level (8.8m) into Tuesday.
"It's heartbreaking. There's no doubt the damage and devastation through that region will be deep and widespread," Emergency Services Minister Stephanie Cooke said.
Further grants for primary producers, small business and councils in rural and regional producers may also be on the way, with the premier saying he has requested further assistance from Prime Minister Anthony Albanese.
"Once further information comes to light in relation to the extent to damage, we will be proceeding to the next level of funding and this is a partnership between the state and Commonwealth governments," he said.
"This is what budgets are there for, to help our people. And that's exactly what we'll do."
Moree Plains Shire Mayor Mark Johnson said there was a sense of relief on Sunday night when the river started to recede but also apprehension about the clean-up.
Authorities are watching the southern border town of Moama, with major flooding expected on Monday when the Murray River peaks at 94.9m above sea level, which is higher than the 1993 flood.
Two hundred Australian Defence Force personnel have been deployed across the state and natural disaster declarations have been made in more than 40 local government areas.
