Sarah Greer is doing her best to harvest what's left of her wheat crop at her mostly water-logged wheat property west of Moree.

The area's worst flood in a decade hit months ago, but west of town, the water still lingers. 

"We thought last year was challenging, but this year is a whole other level," she said.

"We've probably lost about 70 per cent, not just from the last flood. We've had six floods this year."

They missed the window to plant their summer crops after paddocks — which would have been sown with sorghum — turned into lagoons.

"We're going to have a big hole in our cash flow, so it's going to make next year so much tougher because we'll be so far behind the eight ball," Ms Greer said.

She and her family are now working to harvest what's left of their crop.

"We've still got 30 per cent, and the price of grain is good," she said.

"So if we can cover costs — I don't know whether we'll be able to do that — then we'll be okay."

Despite the region's severe flooding, trading giant GrainCorp's operations manager Nigel Lotz said they were surprised at the volume of crops moving through its silos.

"We certainly thought it was going to be all dire, but pleasingly there's around 20 per cent of feed grade [and] there's a lot of the higher grade, which is good," Mr Lotz said.

He said that feed grade — which is food for animals — was still fetching a good price.

"Year-on-year, it's probably $40–$50 higher than last year, so amongst the gloom, there is a lot of optimism," Mr Lotz said.

But he said it was still too soon to compare this harvest with previous years.

Moree's Mayor Mark Johnson — who is also an accountant — said farmers were still counting the cost.

"It's early days," he said.

"People are not quite sure of what those losses are … but I know there's going to be some difficult conversations with financiers going forward."

Mr Johnson said it was not only the income they had missed out on.

"They're probably paying twice as much for their inputs," he said.

"And they're going to be dealing with interest rates that are three times what we saw 12 months ago."

Meanwhile, Sarah Greer said she was trying to stay positive.

"I'm married to 'Mr Glass-half-full', so that certainly helps," she said.

"We'll go back and see our nice bank manager, and you know, we'll hopefully claw our way back next year."

Source - https://www.abc.net.au