three vertical bands of green (hoist side), white, and green with a large green Norfolk Island pine tree centered in the slightly wider white band
green stands for the rich vegetation on the island, and the pine tree - endemic to the island - is a symbol of Norfolk Island
note: somewhat reminiscent of the flag of Canada with its use of only two colors and depiction of a prominent local floral symbol in the central white band
also resembles the green and white triband of Nigeria