Small wonder many Australians are worried about what summer will bring, as a likely El Niño threatens hot and dry fire weather.

If you live anywhere in Australia, you need to plan for heat.

Fire gets attention - but extreme heat can do more damage.

Is your house well insulated? If you have an air conditioner, is it running well and has it been serviced? Could you reduce how much heat comes through your windows by using shade cloth, awnings or window coverings? A bushfire landscaped garden or heat reflective paint can also help reduce fire risk or cool the house.

Businesses must understand their responsibilities to their employees during extreme heat and have plans to manage these.