About 200 people attend a memorial service on Monday morning for Dungog woman Robin Reid Macdonald, one of three people to die in last month's flood.
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Ms Macdonald, 68, lived by herself in Hooke Street, Dungog, with her small dog Pip.
A Scottish immigrant from the UK in 1973, Ms Macdonald lived at a couple of Dungog area addresses, including a since-disbanded caravan park near the river, before moving to Hooke Street 16 years ago.
Piper Bill McKinnon played Scotland The Brave and Amazing Grace in the service closed with a traditional toast of scotch whiskey to the departed.
Photos of Ms MacDonald's life were projected onto a screen as the Alexander Brothers sang the Northern Lights of Aberdeen.
A small outspoken and self-sufficient woman, Ms McDonald made a lot of friends in Dungog - and gave a lot to the town - through her work with the Dungog Rural Fire Service and the Dungog SES.
Ms McDonald had no relatives in Australia but word of her passing has made it to England, and messages of condolence from them were read to the service.
In an eerie coincidence it emerged that her half-brother David Watters, died in hospital in England where he was being treated for dementia.
Her nephew Sean Watters said his father shared Ms Macdonald's love of animals.
Monday's memorial service in Dungog RSL follows funerals last week for the other flood victims, Brian Wilson and Colin Webb.
Dungog mayor Harold Johnston said the town was steadily recovering from the floods.
He said a small number of residents had moved into the most elevated units in Alison Court, where Mr Webb lost his life.
He said almost all of the aged residents were wanting to move back in but the council and other authorities could not ignore the risk of future flooding.
