Climate Risk in Budgewoi, NSW

Budgewoi, New South Wales· Central Coast· 2262
Updated Mar 2026

Budgewoi is a coastal suburb on the Central Coast of NSW, facing moderate risks from flooding, bushfires, heatwaves, and coastal hazards. Climate change is expected to exacerbate these risks, particularly flooding and heatwaves.

Is Budgewoi Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Budgewoi, New South Wales, covering flood, bushfire, sea level rise and more.

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What A$49 could save you from

$7.2B
2022 insured disaster losses*
$300B+
climate risk to property by 2050*
30-120%
insurance premium increases in high-risk areas*

*Industry sources: ICA, APRA, RBA

Full report from A$49 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections

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Overall Risk Score

Address-level

Hazard Breakdown

Flood, bushfire, heat, coastal and storm exposure are all assessed in this area. The score that matters is the property's own: a ClimateNest report scores the address across eight hazards, with insurance and value projections to 2050.

Climate Hazard Breakdown for Budgewoi

Flood

Budgewoi faces a moderate risk of flooding due to its low-lying areas and proximity to Lake Budgewoi and the ocean. Intense rainfall events can lead to stormwater and coastal flooding.

Key drivers:

  • ·Increased rainfall intensity
  • ·Sea level rise

Bushfire

Bushfire risk in Budgewoi is moderate, with some areas bordering bushland. Hot, dry conditions and strong winds can increase the likelihood of bushfires.

Key drivers:

  • ·Dry vegetation
  • ·High temperatures

Heat

Budgewoi experiences a high risk of heatwaves, with increasing average temperatures and more frequent extreme heat events. This poses a risk to vulnerable populations.

Key drivers:

  • ·Rising global temperatures
  • ·Urban heat island effect

Coastal

Budgewoi faces a moderate risk from coastal hazards due to its location on a peninsula. Sea level rise and storm surges can lead to coastal erosion and inundation.

Key drivers:

  • ·Sea level rise
  • ·Increased storm intensity

Wind

Data being compiled

Storm

Data being compiled

Social

Data being compiled

Energy

Data being compiled

In-Depth Climate Risk Guides for Budgewoi

Detailed Hazard Analysis

heat Risk

Budgewoi experiences a high risk of heatwaves, with increasing average temperatures and more frequent extreme heat events. This poses a risk to vulnerable populations.

Primary Drivers

  • ·Rising global temperatures
  • ·Urban heat island effect
Data source

flood Risk

Budgewoi faces a moderate risk of flooding due to its low-lying areas and proximity to Lake Budgewoi and the ocean. Intense rainfall events can lead to stormwater and coastal flooding.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Sea level rise
  • ·Storm surge
Data source

coastal Risk

Budgewoi faces a moderate risk from coastal hazards due to its location on a peninsula. Sea level rise and storm surges can lead to coastal erosion and inundation.

Primary Drivers

  • ·Sea level rise
  • ·Increased storm intensity
Data source

bushfire Risk

Bushfire risk in Budgewoi is moderate, with some areas bordering bushland. Hot, dry conditions and strong winds can increase the likelihood of bushfires.

Primary Drivers

  • ·Dry vegetation
  • ·High temperatures
  • ·Strong winds
Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums may increase due to the rising risk of flooding and coastal hazards.

Price Impact

Properties in high-risk areas may experience a decrease in value as climate risks become more apparent.

Buyer Checklist

  • 1.Check flood maps and coastal erosion risk assessments.
  • 2.Assess bushfire risk and implement mitigation measures.
  • 3.Consider the potential impact of sea level rise on the property.
  • 4.Inquire about insurance costs and coverage for climate-related hazards.

How the region's climate is projected to change

Regional projections, not a forecast for this street. Figures are from the WA Department of Water and Environmental Regulation's climate projections for the South Western Flatlands region, which draws on CSIRO and Bureau of Meteorology modelling.

Temperature

+0.5 to 1.1°C by 2030

Above the 1986–2005 climate, on all emissions scenarios. By 2090, 1.2 to 2.0°C under intermediate emissions or 2.6 to 4.0°C under high emissions.

Rainfall

Winter rain down up to 15% by 2030

The South West has been drying since 1970, and the decline has been larger than anywhere else in Australia. Heavy rainfall events are projected to become more intense even as totals fall.

Fire weather

Harsher, magnitude uncertain

High confidence that fire weather becomes harsher, low confidence in the size of the change, because it depends heavily on summer rainfall.

Sea level

+0.12 m by 2030

At the Fremantle gauge, range 0.07 to 0.16 m. Very high confidence that sea levels continue to rise through the century.

Source: Department of Water and Environmental Regulation (WA), Western Australian climate projections: summary, September 2021, South Western Flatlands chapter. Read the projections →

Adaptation Recommendations

Upgrade stormwater drainage infrastructure

Near-term

Improve the capacity of stormwater drains to handle increased rainfall intensity and reduce the risk of flooding.

Est. cost: Medium

Learn more

Implement coastal protection measures

Long-term

Construct seawalls and other coastal defenses to protect against erosion and inundation from sea level rise and storm surges.

Est. cost: High

Learn more

Develop a heatwave management plan

Immediate

Establish cooling centers and provide public education on heatwave safety to protect vulnerable populations.

Est. cost: Low

Learn more

Enhance bushfire preparedness

Near-term

Conduct hazard reduction burns, maintain firebreaks, and educate residents on bushfire safety measures.

Est. cost: Medium

Learn more

Raise awareness about climate risks

Long-term

Educate the community about the impacts of climate change and encourage them to take action to reduce their vulnerability.

Est. cost: Low

Learn more

About Budgewoi's Climate Risk Profile

Budgewoi, located on the Central Coast of New South Wales, is a suburb that faces a range of climate-related risks. Its coastal location and proximity to Lake Budgewoi make it particularly vulnerable to flooding and coastal erosion. Rising sea levels and more intense storm events are expected to increase the frequency and severity of these hazards.

The suburb also experiences moderate bushfire risk, with some areas bordering bushland. Hot, dry conditions can create a higher risk of bushfires, threatening homes and infrastructure. Residents need to be aware of bushfire safety measures and maintain their properties accordingly.

Heatwaves are another significant concern for Budgewoi, with average temperatures expected to rise in the coming years. This poses a particular risk to elderly residents and those with pre-existing health conditions. Access to cooling and adequate hydration are crucial during heatwave events.

Overall, Budgewoi needs to proactively adapt to the changing climate to protect its residents and infrastructure. This includes investing in flood mitigation measures, implementing bushfire management strategies, and promoting heatwave preparedness.

Suburb pages describe the local picture. The address-level assessment, with its data sources and its dollar projections, is in the ClimateNest report.

Local Government Resources

Frequently Asked Questions

What are the main climate change risks in Budgewoi?

Budgewoi faces risks from flooding, bushfires, heatwaves, and coastal erosion due to climate change.

How will sea level rise affect Budgewoi?

Sea level rise could lead to increased coastal erosion and inundation of low-lying areas in Budgewoi.

What can I do to prepare for heatwaves in Budgewoi?

Stay hydrated, seek air-conditioned environments, and check on vulnerable neighbors during heatwaves.

Where can I find information about bushfire safety in Budgewoi?

Visit the NSW Rural Fire Service website for information on bushfire safety and preparedness.

How is the Central Coast Council addressing climate change?

The Central Coast Council is developing and implementing strategies to mitigate and adapt to the impacts of climate change.

Are there any flood maps available for Budgewoi?

Yes, flood maps are available on the Central Coast Council website, showing areas at risk of flooding.

Get your property's risk report

This suburb assessment covers the area. For a precise address-level climate risk report for any specific property in Budgewoi, use our analysis tool.

Check Your flood Risk Now

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Free instant previewCSIRO-powered data

What A$49 could save you from

$7.2B
2022 insured disaster losses*
$300B+
climate risk to property by 2050*
30-120%
insurance premium increases in high-risk areas*

*Industry sources: ICA, APRA, RBA

Full report from A$49 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections