Climate Risk Profile: Cumbandry, NSW

Cumbandry, New South Wales
Updated May 2026

Cumbandry faces increasing risks from flooding and heatwaves. Bushfire risk is moderate. Coastal risk is negligible.

Is Cumbandry Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Cumbandry, 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 Cumbandry

Flood

Cumbandry faces a moderate risk of flooding due to its location and rainfall patterns. The risk is primarily from riverine flooding.

Key drivers:

  • ·Increased rainfall intensity
  • ·Changes in river flow

Bushfire

Bushfire risk in Cumbandry is moderate, influenced by surrounding vegetation and dry conditions during certain months.

Key drivers:

  • ·Dry vegetation
  • ·High temperatures

Heat

Cumbandry is likely to experience more frequent and intense heatwaves, impacting vulnerable populations and infrastructure.

Key drivers:

  • ·Rising global temperatures
  • ·Urban heat island effect

Coastal

Cumbandry is not exposed to coastal risks.

Wind

Data being compiled

Storm

Data being compiled

Social

Data being compiled

Energy

Data being compiled

In-Depth Climate Risk Guides for Cumbandry

Detailed Hazard Analysis

heat Risk

Cumbandry is likely to experience more frequent and intense heatwaves, impacting vulnerable populations and infrastructure.

Primary Drivers

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

flood Risk

Cumbandry faces a moderate risk of flooding due to its location and rainfall patterns. The risk is primarily from riverine flooding.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Changes in river flow
  • ·Urban development
Data source

coastal Risk

Cumbandry is not exposed to coastal risks.

Data source

bushfire Risk

Bushfire risk in Cumbandry is moderate, influenced by surrounding vegetation and dry conditions during certain months.

Primary Drivers

  • ·Dry vegetation
  • ·High temperatures
  • ·Wind patterns
Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums are likely to increase due to flood and bushfire risks.

Price Impact

Properties in flood-prone areas may experience a decrease in value.

Buyer Checklist

  • 1.Check flood maps and historical flood data.
  • 2.Assess bushfire risk and implement mitigation measures.
  • 3.Consider energy efficiency upgrades to reduce heat impacts.
  • 4.Review insurance coverage for climate-related risks.

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 Flood Defenses

Near-term

Invest in infrastructure to mitigate flood risks, such as levees and improved drainage systems.

Est. cost: High

Learn more

Implement Heat Action Plan

Immediate

Develop and implement a heat action plan to protect vulnerable populations during heatwaves.

Est. cost: Medium

Learn more

Bushfire Management

Near-term

Implement bushfire management strategies, including vegetation clearing and community education.

Est. cost: Medium

Learn more

Promote Water Conservation

Long-term

Encourage water conservation measures to reduce water stress during droughts and heatwaves.

Est. cost: Low

Learn more

Community Education Programs

Near-term

Run community education programs on climate risks and adaptation strategies.

Est. cost: Low

Learn more

About Cumbandry's Climate Risk Profile

Cumbandry, NSW, is a rural locality that is exposed to a range of climate-related risks. The primary concerns are increasing flood risk due to more intense rainfall events and rising temperatures leading to more frequent and severe heatwaves. Bushfire risk is also a factor, although less pronounced than flood and heat risks.

The increasing flood risk is driven by climate change impacts on rainfall patterns, with projections indicating more intense storms and heavier rainfall events. This can lead to riverine flooding, impacting properties and infrastructure in low-lying areas. Effective flood management strategies and infrastructure upgrades are essential to mitigate these risks.

Heatwaves are also a growing concern, with rising temperatures posing a threat to vulnerable populations, such as the elderly and those with pre-existing health conditions. Increased heat can also strain energy infrastructure and impact agricultural productivity. Implementing heat action plans and promoting energy efficiency can help reduce the impacts of heatwaves.

While bushfire risk is moderate, it is still important to maintain vigilance and implement appropriate bushfire management strategies. This includes maintaining vegetation clearances around properties, conducting controlled burns, and ensuring that residents are aware of bushfire safety procedures.

Overall, Cumbandry needs to proactively address these climate risks to ensure the long-term sustainability and resilience of the community. This requires a coordinated effort involving local government, residents, and other stakeholders.

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 risks facing Cumbandry?

The main climate risks are increasing flood risk, more frequent and intense heatwaves, and moderate bushfire risk.

How will climate change affect property values in Cumbandry?

Properties in flood-prone areas may experience a decrease in value. Insurance premiums are also likely to increase.

What is the council doing to address climate change?

The council is developing and implementing a climate strategy to reduce emissions and adapt to climate impacts.

How can I prepare my home for a flood?

You can prepare your home by raising electrical appliances, storing valuables above flood level, and having an evacuation plan.

What should I do during a heatwave?

During a heatwave, stay indoors in air-conditioned environments, drink plenty of water, and avoid strenuous activities.

Where can I find more information about bushfire safety?

You can find more information about bushfire safety on the NSW Rural Fire Service website.

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 Cumbandry, use our analysis tool.

Check Your flood Risk Now

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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