'You just keep on keeping on': Mogo businesses count the cost of another disaster

After Mogo was famously devastated by the Black Summer bushfires, the town has faced several floods over the past 24 months, including Friday's which saw floodwaters close the Princes Highway for a period of about three hours.

Debra Gough of Juela Mogo said the water didn't get into her shop, but other shops on the western side of the highway would have been devastated.

"We're probably 50cm up above the road, and we got in there as early as we could," she said.

"The floodwaters had receded really quickly off the highway, but it was right up to our verandah at one point.

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"The western side of the road is the issue, the creek is fully flooded and all the shops will need sandbagging because we haven't hit the high tide yet.

"There's still rain to come as well, so we're all still a bit worried."

Ms Gough said a steady brigade of cars and trucks driving through the floodwaters before the road was closed had contributed to the damage at some businesses.

"We had a look at our security cameras, and you can see the floodwater coming straight down from the north end of the town and covering the road within minutes of 5.30am," she said.

"Cars and trucks just kept driving through, it was madness - I believe a lot of the flooding was caused by the trucks pushing water into the shops.

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"You can see the icebox over at the service station, it got knocked over by a wave of water from a truck driving through."

Ms Gough said the town is expecting another peak at high tide about 2pm, after which the community will rally from another disaster.

"We're still all really supportive of each other," she said.

"What is there to do (in a situation like this)? You just clean up and start again - you just keep on keeping on.

"Everyone gets together and does their bit to help, and people will get back on their feet.

"Unfortunately, that's just life here in Australia sometimes."

READ MORE: Road closures across Bega district as heavy rains continue

However, Ms Gough also believes the floods could be the final straw for some local businesses.

"There will be some people who won't survive all of this," she said.

"A lot of people still don't have insurance, or are finding it hard to get insurance. We were looking at changing our insurance a few weeks ago, and we had a lot of companies unwilling to insure us.

"I think there will be a few businesses who will just say 'I'm done'."