AS MANY as four in five farmers burnt out in the Gerogery and Tooma fires last month may not have been adequately insured.

Landowners at Gerogery, north of Albury, and Tooma, in the Upper Murray, are taking stock two weeks after the infernos razed more than 15,000ha.

Rural Finance's Bruce Dwerryhouse said those affected were at their most vulnerable now that the adrenaline of fighting fires had past.

"People now have time to reflect and think about it and that's when they could crash ... it's a stressful time," he said.

Mr Dwerryhouse said early reports indicated most had not been fully insured.

"The lack of insurance is reflective of the profitability of agriculture over the past 10 years. Many people haven't been able to afford insuring their properties to the max," Mr Dwerryhouse said.

The fires destroyed hundreds of hectares of crops on the point of harvest, more than 6000ha of pasture, 3700 sheep, more than 700 cattle, 2990 tonnes of fodder, 10 homes and hundreds of kilometres of fencing, making for a subdued Christmas period in both districts.

Mr Dwerryhouse - who lost 32 cattle, 60ha of crop, 100ha of pasture and all his fencing in the Gerogery fires - described assistance from the broader community, especially those affected by the Black Saturday fires, as "tremendous".

"It's been heart-rendering how generous people have been," he said, urging those affected to ask for help and keep in contact with support systems as well as their regular networks.

Meanwhile, fire investigators have completed their inquiries into the origins of the Gerogery fire, which is believed to have begun in the shire-operated rubbish tip.

Greater Hume Shire spokesman David Smith said it was yet to receive a formal report.

"Our focus is on the relief effort," Mr Smith said.