Six lives have been lost in the worst floods to hit northern NSW in 40 years, with the cost of cleaning up the damage reaching $200 million.
The deaths of Stephanie King, 43, and her two children - Ella-Jane, 11, and seven-year-old Jacob - pushed the death toll to six on Tuesday after their bodies were pulled from a river in the flood-ravaged town of Tumbulgum.
The trio drowned after their van plunged into the Tweed River on Monday afternoon when it veered off a muddy road.
Miraculously, Ms King's eight-year-old daughter Chloe was able to escape the moving vehicle, and survived with cuts and bruises.
Premier Gladys Berejiklian, who visited the region with Lismore MP Thomas George on Monday, said she was near the scene of the accident as the tragedy unfolded.
"We cannot imagine the trauma this little girl and her family and the entire community is going through at this time, and our thoughts and prayers are with them during this period," she told parliament on Tuesday.
The deaths are the latest catastrophe in what's been a tragic few days for flood-hit northern NSW residents.
Two women aged 36 and 64 also died, while a 46-year-old man suffered a fatal heart attack after paramedics couldn't reach him.
The State Emergency Service has dealt with more than 2700 jobs and 487 flood rescues since the region was hit by the heavy rains that followed Cyclone Debbie in Queensland late last week.
Lismore, Murwillumbah and Tweed Heads residents have been given the all-clear to return home but about 1000 people remain isolated.
As the huge clean-up operation continues, Ms Berejiklian said the damage bill had surpassed $200 million on Tuesday.
"I want the community to be assured that we are doing everything we can," she said.
A state "recovery co-ordinator" is helping with flood relief efforts and there will be a federal hand with cheap loans and relief assistance.
The premier has also put insurance companies on notice to do right by their customers and process claims quickly.
Prime Minister Malcolm Turnbull echoed the premier's call and asked that banks and insurers to act "promptly, compassionately and considerately."
Mr Turnbull, who has travelled to the flood zone in recent days, told 3AW he has seen businesses devastated and "heartbreak and real tragedy."
"But I've also seen phenomenal resilience, generosity and selflessness - that great Australian spirit," he said on Tuesday night.