floodwaters spread to Swan Hill.
© User submitted: Donna Residents face a tense wait as floodwaters spread to Swan Hill.

The floodwaters moving through north-west Victoria are starting to arrive at Swan Hill.

The State Emergency Service (SES) has moved its incident control centre to Swan Hill and says the flood waters started to reach the city late yesterday.

The Murray River is expected to reach minor flood level later today and major flood level by Thursday.

But the city's levees are expected to prevent any flooding.

The deputy incident controller Wayne Grincais says levees at Pental Island and Murrabit, further upstream, are under pressure but holding up well.

"There are some levees that are getting quite old and in fact last night we flew in a levee expert," he said.

"He's coming in today and will actually have a look at those levees and give us some advice."