Climate Risk in Culburra Beach, NSW

Culburra Beach, New South Wales· Shoalhaven· 2540
Updated May 2026

Culburra Beach is a coastal suburb in New South Wales that faces several climate-related risks. The primary concerns are flooding, heatwaves, and coastal erosion, which are expected to worsen with climate change. Residents should prepare for more frequent extreme weather events.

Is Culburra Beach Safe from Climate Risk?

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

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

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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 Culburra Beach

Flood

Culburra Beach faces a moderate risk of flooding due to its low-lying coastal location and proximity to the Crookhaven River and Shoalhaven River. Intense rainfall events can lead to riverine and flash flooding.

Key drivers:

  • ·Increased rainfall intensity
  • ·Sea level rise

Bushfire

The area around Culburra Beach has a moderate bushfire risk due to surrounding bushland. Hot, dry summers combined with strong winds can increase the likelihood of bushfires.

Key drivers:

  • ·Dry vegetation
  • ·High temperatures

Heat

Culburra Beach is experiencing an increase in the frequency and intensity of heatwaves. Higher average temperatures and more extreme heat days pose a risk to vulnerable populations.

Key drivers:

  • ·Rising global temperatures
  • ·Urban heat island effect

Coastal

Culburra Beach is vulnerable to coastal erosion and inundation due to sea level rise and storm surges. The coastline is exposed to increasing wave action and potential loss of land.

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 Culburra Beach

Detailed Hazard Analysis

heat Risk

Culburra Beach is experiencing an increase in the frequency and intensity of heatwaves. Higher average temperatures and more extreme heat days pose a risk to vulnerable populations.

Primary Drivers

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

flood Risk

Culburra Beach faces a moderate risk of flooding due to its low-lying coastal location and proximity to the Crookhaven River and Shoalhaven River. Intense rainfall events can lead to riverine and flash flooding.

Primary Drivers

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

coastal Risk

Culburra Beach is vulnerable to coastal erosion and inundation due to sea level rise and storm surges. The coastline is exposed to increasing wave action and potential loss of land.

Primary Drivers

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

bushfire Risk

The area around Culburra Beach has a moderate bushfire risk due to surrounding bushland. Hot, dry summers combined with 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 are likely to increase due to the rising risk of flooding, coastal erosion, and bushfires.

Price Impact

Properties closer to the coast or in flood-prone areas may experience a decrease in value over time.

Buyer Checklist

  • 1.Check flood maps and coastal erosion risk assessments.
  • 2.Assess the property's vulnerability to bushfires.
  • 3.Inquire about past flood or fire events.
  • 4.Obtain a comprehensive building inspection.
  • 5.Review insurance options and premiums.

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 Drainage Infrastructure

Near-term

Improve drainage systems to reduce the risk of flash flooding during heavy rainfall events.

Est. cost: Medium

Learn more

Implement Coastal Protection Measures

Near-term

Construct seawalls and other coastal defenses to protect against erosion and inundation.

Est. cost: High

Learn more

Develop a Heatwave Management Plan

Immediate

Establish cooling centers and provide support to vulnerable residents during heatwaves.

Est. cost: Low

Learn more

Enhance Bushfire Preparedness

Near-term

Conduct community education programs and assist residents with property maintenance to reduce bushfire risk.

Est. cost: Medium

Learn more

Relocate vulnerable infrastructure

Long-term

Move critical infrastructure like power stations and hospitals away from flood zones and coastal erosion hotspots.

Est. cost: Very High

Learn more

About Culburra Beach's Climate Risk Profile

Culburra Beach, located on the South Coast of New South Wales, is increasingly vulnerable to the impacts of climate change. The suburb's low-lying coastal geography makes it particularly susceptible to flooding from both riverine and coastal sources. Rising sea levels and more intense storm surges are expected to exacerbate coastal erosion and inundation, threatening homes and infrastructure.

Heatwaves are becoming more frequent and intense, posing a significant risk to the health of vulnerable residents, especially the elderly and those with pre-existing conditions. The combination of high temperatures and humidity can lead to heat stress and other heat-related illnesses. Bushfire risk is also a concern, with surrounding bushland creating a potential fire hazard during hot, dry periods.

The local council is working to address these challenges through various adaptation measures, including improved drainage systems, coastal protection works, and community education programs. However, further action is needed to mitigate the long-term impacts of climate change and ensure the safety and well-being of residents.

Property owners should consider the potential impacts of climate change when making investment decisions. Insurance premiums are likely to increase in response to rising risks, and property values may be affected by coastal erosion and flooding. It is essential to stay informed about the latest climate projections and take steps to protect your home and family.

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 Culburra Beach?

The main climate change risks in Culburra Beach are flooding, coastal erosion, heatwaves, and bushfires. These risks are expected to increase in the future due to rising sea levels, more intense rainfall events, and higher temperatures.

How will sea level rise affect Culburra Beach?

Sea level rise will exacerbate coastal erosion and inundation, potentially impacting properties and infrastructure along the coastline. Low-lying areas are particularly vulnerable.

What is the council doing to address climate change?

Shoalhaven City Council is implementing various adaptation measures, including upgrading drainage infrastructure, constructing coastal defenses, and developing a heatwave management plan.

How can I prepare for a bushfire in Culburra Beach?

You can prepare for a bushfire by maintaining firebreaks around your property, having a bushfire survival plan, and staying informed about fire danger ratings.

Where can I find information about flood risks in Culburra Beach?

You can find information about flood risks on the Shoalhaven City Council website, including flood maps and flood study reports.

What kind of financial assistance is available for climate resilience?

The NSW and Australian governments offer various grants and assistance programs for homeowners and businesses to improve their resilience to climate change impacts like flooding and bushfires. Check the websites of Resilience NSW and the National Emergency Management Agency for current offerings.

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 Culburra Beach, use our analysis tool.

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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