The State Emergency Service says people choosing to leave an isolated NSW town a day after an evacuation order was enforced are putting the lives of their families and emergency services at risk.

The SES had arranged an escort to allow the 500 residents of Moulamein in the state's south to leave yesterday afternoon, with rising floodwater from the Edward River and Billabong Creek expected to isolate the town for weeks.

SES spokesman Scott McLennan said while some residents had already left, only five people and a dog were part of the convoy.

About 90 per cent of residents had chosen to stay in the town, with a shelter-in-place warning in place and all access roads closed.

"We do know that there are some people choosing to keep relocating themselves even though the floodwaters are there and covering the roads, and the roads are quite damaged," Mr McLennan said.

"Some people are making decisions for themselves and their families that may not necessarily be deemed safe by us or the council."

He said the decision of those leaving today was "somewhat disappointing".

"They're not necessarily just putting their own families or themselves at risk, they're also putting the lives of our partner agencies and the SES volunteers, RFS volunteers, VRA volunteers who put on their boots and go and save them if they find themselves in trouble."

Further east, the Edward River peaked just below 9.2 metres at Deniliquin overnight.

SES warnings for the town have dropped to watch and act, but levels are expected to fall extremely slowly.

State-wide flood risk remains

The SES received 270 calls for assistance in the last 24 hour reporting period and performed three flood rescues.

Fourteen emergency warnings remain across New South Wales.

There are hopes the worst of the flood crisis at Condobolin on the Lachlan River in the state's central west has passed.

While water levels remain at historic highs, authorities have predicted no further rises.

Further downstream, Euabalong is now also completely isolated.

The SES has warned floodwater will remain high well into December.

Condobolin's SES unit commander Susan Bennett said residents in low-lying areas needed to remain alert.

"Fingers crossed that in Condobolin the highest level has been reached," she said.

"It's a Watch and Act situation here.

Farmers in the region are warning it will take years for properties to bounce back.

Condobolin farmer Diana Fear said she had lost more than half of her lucerne and canola crop in the floods.

She is worried about how she will replace key infrastructure on the property when so many others are trying to do the same thing.

"Depending upon the amount of damage, it will take potentially years," she said.

"Everybody needs fencing, everybody needs levy banks fixed up. We would like to do what we can as soon as possible but going forward, you still have to get a crop in next year.

Calls for more support

Residents in the devastated town of Eugowra have expressed gratitude for one-off flood payments announced by Prime Minister Anthony Albanese yesterday, but warn they will need more support to get back on their feet.

Mr Albanese and Premier Dominic Perrottet visited the town yesterday to announce federal grants of $50,000 for small businesses and not-for-profit groups affected by the floods.

Residents can receive a NSW Disaster Recovery Payment of $1,000 for each eligible adult and $400 for each child, while primary producers can apply for a $75,000 NSW Special Disaster Grant.

Anthony Robinson lives in Eugowra and lost everything in the flood, including his house, and says the payments won't be enough.