THE force of the floodwaters from the Avoca River picked up fuel tanks, mowed down fences and moved hay bales.

At Coonooer Bridge, south of Charlton, the Watts family experienced their second flood since September, but this one was much worse.

The floodwaters rose about 75cm above the bank of the nearby Avoca on Saturday, immersing hundreds of hay bales and seeping into silos.

Alister Watts estimated the water had seeped about 30cm into the farm's many silos.

"We'll have to let the grain out the bottom of the silo so the water doesn't seep further up," Mr Watts said.

He said there was still about 800ha of grain to be harvested. He expects it to be downgraded to feed quality.

His brother, Tristan, said water had inundated his grandparents' house on the farm and the two pumps had run overnight to pump the water out.

"We knew the flood was coming but we didn't know how bad it would be," he said.

His father Andrew Watts said a second property, closer to Charlton, was completely under water.

Andrew said he was angry his insurance would not cover the damaged grain, hay and lost tools.

"The insurance company is quite happy to write a cheque tomorrow if the hay burns down, but I can't get any money for the bales that are written off due to the flood," Andrew said.

At Yuengroon the water had picked up bales in a paddock and dumped them in another further downstream.

Paula Wright said she could hear them "banging against the trees" as the floodwater carried the bales away.

The water tore away topsoil from a nearby paddock and damaged fences.