It's only February, and already New Zealand has been slammed with two cyclones, falling house prices and flooding.

But while the clean-up from Cyclone Gita gets underway, experts warn we could face even worse disasters this year.

Emergency advice:

Make sure your family has a clear plan of action should a disaster strike.

Stock up on water for drinking, flushing, cooking and showering. Apparently, each of us uses about 50 litres a day to fulfil basic daily functions, so fill up your containers with water.

Cash is king. If power is out and Eftpos machines are down, you can still use cash to top up on supplies, so make sure you have some around.

Make sure you're powered up. Charge up your phones, laptops and any other electronic devices, because it is quite difficult to get in touch with someone if your phone has a flat battery.

Here are the biggest risks for NZ in 2018.

Earthquake