Northern parts of Victoria could experience a new flash flooding threat with more rain and thunderstorms expected just as the Murray River peaks at Echuca.
Many towns are on track to experience their wettest October on record, with between 30 millimetres to 60mm predicted to fall in the next day.
There is major flooding in Echuca with the peak expected later on Monday, where dozens of houses built along the banks of the Murray have been swallowed up by water.
About 30mm of rain fell overnight and flood walls have so far protected the centre of town from the worst of the disaster.
But properties on the so-called wrong side of a levee constructed over the past week to save major infrastructure have started to flood.
"Our house is surrounded by water," resident Julie Golledge told AAP on Monday, when about 20 centimetres of water had already seeped into her garage.
"There are a number of houses that do have water flowing in them because they're lower lying compared to us."
One of those houses belongs to former policeman Nick Dean.
His gas heating and garage have been inundated and now the only way in and out of his home is via boat.
"You can imagine the anger with council who put this levee up and thrown us to the wolves," Mr Dean told 3AW.
"This levees's made it worse because the waters hit back and bounced back (to his home)."
The Murray River surpassed the 1993 flood level at Echuca on Saturday while the Loddon River at Kerang peaked but the threat is yet to pass.
Floodwaters there have only slightly receded and are not expected to noticeably drop for several days.
Recovery efforts across central Victoria are about to ramp up, particularly in Rochester and Mooroopna which were badly damaged by flooding almost a fortnight ago.
So far approximately 4000 CFA volunteers have assisted communities prepare or clean up.
"There's many examples of volunteers that have been out helping the community, prepare the community and in fact have had their own homes inundated," CFA Chief Officer Jason Heffernan told reporters.
Residents from Swan Hill to Mildura have been told to be on alert and prepare for flooding from the end of the month.