Three men are dead after being swept away while trying to drive through NSW floodwaters, while another is missing after jumping into waves at Bondi.
It has infuriated emergency services tasked with rescuing those who ignore repeated warnings.
The bodies of three men were found in cars caught in floods in separate incidents in the ACT, the NSW southern highlands and Sydney's southwest.
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A 65-year-old man was found on Monday in a car in Mittagong Creek near Bowral, after being reported missing on Sunday, while the body of another man has been found in a ute at Leppington in Sydney's southwest.
A 37-year-old Canberra man's body was retrieved on Monday morning after he was trapped in his car in floodwaters near the Cotter Dam in the ACT.
Meanwhile, the search for a man who jumped from rocks into dangerous swells at Bondi Beach has been suspended and is expected to resume on Tuesday morning.
"He just jumped in when the waves were going out and when the waves came in again he went under and couldn't keep up," a witness told AAP.
"Then he just disappeared."
Emergency services have been left "absolutely frustrated" by people who enter floodwaters despite repeated, clear warnings to stay away from them, with both police and the SES stressing people are placing their lives at great risk by doing so.
"Please heed our advice, your life could depend on it," Acting Assistant Commissioner Kyle Stewart said, adding many of the 290 flood rescues across NSW could have been avoided.
Flood warnings remained in place on Monday afternoon for a number of NSW rivers and coastal homes after the vicious storms left 545 properties isolated.
NSW SES are still working on the more than 10,180 calls for help.
The rain and floods forced evacuations in low-lying northern and southwestern Sydney suburbs, and about 700 evacuations at Narrabeen in Sydney's north, while beachfront properties at neighbouring Collaroy were battered by eight-metre waves.
Residences in other parts of the state were also forced to leave their homes, including more than 2000 at Lismore.
It's now safe for people in Narrabeen to return home but an evacuation order remains in place at Collaroy where some homes are at risk of falling into the sea.
"Residents who have returned to their properties should be aware of unseen risks that may be present inside flood affected properties including live power, structural damage, free-flowing effluent and associated health risks," police have warned.
More than 226,000 homes and businesses lost power during the weekend storms.
Most have been reconnected but 7760 are still in the dark.
The storm has moved off the south coast and conditions have eased but authorities have warned the danger isn't yet over.
A second king tide is forecast for Monday night and it could cause further flooding and erosion, the Bureau of Meteorology has warned.
"We're not completely out of the woods yet," a forecaster said.
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To help with the mop up, the NSW government has said it will fast-track applications for emergency funding, including interest-free loans and grants for individuals, small business and community groups of up to $130,000.
Insurers had received more than 11,150 claims across Queensland and NSW by Monday afternoon, with estimated insured losses of $38 million.
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While that sounds like a lot, Suncorp and IAG each paid out more than $1 billion in natural disaster claims in the previous financial year, a period that included the April 2015 storms that blasted Sydney and the Hunter Valley.
