Bowral Flood Management Committee member Dorothy Webber has called on Wingecarribee Shire Council to act to clean up Bowral Creek.
Mrs Webber, who lives alongside the creek, believes that flooding of homes and roads is inevitable unless the creek is cleared of gravel deposits, weeds, reeds and rubbish.
Gravel and sediment washed from nearby roads and housing developments was evident in the creek following last week's heavy rain.
At points where stormwater drainage pipes run into Bowral Creek, gravel has built up to the point where the creek flow is reduced to a narrow trickle.
"We no longer have a creek bed," said Mrs Webber, standing on top a pile of gravel, stumps and litter in what once was the creek.
"While the creek is in this condition, it could flood if we get another 20 minute downpour."
Mrs Webber said the neglect of the creek was resulting in environmental and water quality problems, as well as potential flooding.
Sections of the creek and banks are overgrown with ivy, privet, blackberry, briar rose, willow, and cumbungi and littered with rubbish.
"You get bottles, shoes, anything you can name," said Mrs Webber.
In other areas of the creek, the banks are caving in. Matting put down to deter weeds and secure the banks was dislodged in the recent storm.