But 2020 is ending on a positive note, as not only is she touring to the South Coast she has been nominated in the ARIA Awards for Best Country Album.

"It's pretty fantastic news indeed. It's the cream on top really!" she said.

Her album Fallow was written while going through a season of change - her husband's mother was lost to cancer while Lumsden was pregnant.

"So I was feeling the whole spectrum of emotion at once," she said.

"I wanted to create something that felt like green grass and running water after so much hardship."

Lumsden was speaking to Australian Community Media over the phone from her home in Tooma in the Snowy Mountains - while having to keep an eye out for errant livestock.

"There's a cow eating my agapanthus!" she laughs at one point.

"Get out!"

Fallow was recorded in a stone hut in the mountains because she "couldn't think of a better way to capture the valley than make the music in it".

READ ALSO: Cobargo Folk Festival cancelled for second year in a row

"We had to be creative in how we made the sound as we didn't have fancy pieces that would be in a recording studio," she said.

This included using a horse float as a guitar amp - which makes an "amazing sound", she laughed.

Lumsden lives where three large fires merged over summer to become a megafire and she said they were cut off as all roads in and out to her property were on fire.

Her house survived but much of the farm was burnt, including some 35kms of fencing.

She then went from that "full on" experience into COVID-19, saying the day her new album was released was what she called "COVID Friday" as it was "the day everything in the music industry got cancelled".

"It was not a great day to put a record out to be honest, it got a little lost in the news cycle that day," she said.

While COVID meant she was unable to tour she looks back at the downtime fondly, because it meant more time with her family in the home that she loves.

She said it was hard to tell how her Tooma community, which is mostly farmers, have been recovering after the fires as they have not been able to meet up as a community through the pandemic.

"But the good season is really helping," she said.

"They're a pretty resilient and optimistic community, like most in Australia.

"I think people are getting through it, but I think the trauma runs deeper than the green grass that's grown back."

Fanny Lumsden will perform at the Murrah Hall at 2989 Tathra-Bermagui Rd, Murrah on Sunday, November 8 from 3pm supported by Timothy James Bowen.

The performance will be outside the hall to allow for more people to attend.

Tickets are $25/$15. To book click here.