Climate Risk Profile: Harwood, NSW

Harwood, New South Wales· Clarence Valley· 2464
Updated May 2026

Harwood is a suburb in the Clarence Valley of New South Wales that faces moderate climate risks, particularly from flooding and heatwaves. Climate change is projected to increase the severity of these risks in the coming decades. Residents should prepare for more frequent extreme weather events.

Is Harwood Safe from Climate Risk?

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

Flood

Harwood faces a notable risk of flooding due to its proximity to the Clarence River and low-lying areas. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.

Key drivers:

  • ·Increased rainfall intensity
  • ·Sea level rise

Bushfire

The risk of bushfire in Harwood is moderate, with surrounding bushland posing a potential threat during dry periods. Climate change is projected to increase the frequency and severity of bushfire weather.

Key drivers:

  • ·Increased temperatures
  • ·Drier conditions

Heat

Harwood is likely to experience more frequent and intense heatwaves due to climate change. This poses a risk to vulnerable populations, such as the elderly and those with chronic health conditions.

Key drivers:

  • ·Rising average temperatures
  • ·Increased frequency of heatwaves

Coastal

As a coastal community, Harwood is exposed to the impacts of sea level rise and coastal erosion. Climate change is expected to exacerbate these risks, threatening infrastructure and property.

Key drivers:

  • ·Sea level rise
  • ·Increased storm surge

Wind

Data being compiled

Storm

Data being compiled

Social

Data being compiled

Energy

Data being compiled

In-Depth Climate Risk Guides for Harwood

Detailed Hazard Analysis

heat Risk

Harwood is likely to experience more frequent and intense heatwaves due to climate change. This poses a risk to vulnerable populations, such as the elderly and those with chronic health conditions.

Primary Drivers

  • ·Rising average temperatures
  • ·Increased frequency of heatwaves
  • ·Urban heat island effect
Data source

flood Risk

Harwood faces a notable risk of flooding due to its proximity to the Clarence River and low-lying areas. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Sea level rise
  • ·Riverine flooding
Data source

coastal Risk

As a coastal community, Harwood is exposed to the impacts of sea level rise and coastal erosion. Climate change is expected to exacerbate these risks, threatening infrastructure and property.

Primary Drivers

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

bushfire Risk

The risk of bushfire in Harwood is moderate, with surrounding bushland posing a potential threat during dry periods. Climate change is projected to increase the frequency and severity of bushfire weather.

Primary Drivers

  • ·Increased temperatures
  • ·Drier conditions
  • ·Increased fuel load
Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums are likely to increase due to the increasing risk of flooding and other climate-related events.

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 the property's vulnerability to bushfire.
  • 3.Consider the potential impact of sea level rise.
  • 4.Inquire about insurance costs and coverage.
  • 5.Evaluate the property's energy efficiency.

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

Improve Flood Defenses

Immediate

Invest in flood levees, drainage improvements, and early warning systems to reduce the impact of flooding.

Est. cost: High

Learn more

Enhance Bushfire Preparedness

Near-term

Implement bushfire mitigation measures, such as vegetation management and community education programs.

Est. cost: Medium

Learn more

Develop Heatwave Response Plan

Immediate

Establish a heatwave response plan to protect vulnerable populations during extreme heat events.

Est. cost: Low

Learn more

Plan for Sea Level Rise

Long-term

Develop a long-term plan to adapt to sea level rise, including protecting coastal infrastructure and managing coastal erosion.

Est. cost: High

Learn more

Promote Water Conservation

Near-term

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

Est. cost: Low

Learn more

About Harwood's Climate Risk Profile

Harwood, located in the Clarence Valley of New South Wales, is a community that is increasingly vulnerable to the impacts of climate change. The suburb's proximity to the Clarence River makes it particularly susceptible to flooding, while rising temperatures and heatwaves pose a threat to public health. Sea level rise and coastal erosion also present challenges for the community.

The risk of flooding in Harwood is expected to increase as climate change leads to more intense rainfall events. This could result in damage to property, disruption to infrastructure, and displacement of residents. The local council is working to improve flood management strategies, but further action is needed to protect the community.

Rising temperatures and more frequent heatwaves are another significant concern for Harwood. These events can put a strain on the electricity grid, increase the risk of bushfires, and lead to heat-related illnesses and deaths. It is important for residents to take steps to protect themselves during heatwaves, such as staying hydrated and seeking air-conditioned environments.

Sea level rise and coastal erosion are also threats to Harwood, particularly in low-lying areas. These impacts could damage infrastructure, erode beaches, and inundate coastal properties. The local council is working to assess the risks and develop adaptation strategies, but further research and investment are needed.

Overall, Harwood faces a range of climate change risks that require a coordinated response from the community, local council, and state government. By taking action to reduce emissions and adapt to the changing climate, Harwood can build a more resilient and sustainable future.

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 facing Harwood?

Harwood faces significant risks from flooding, heatwaves, bushfires, and sea level rise due to climate change.

How is the local council addressing climate change?

The Clarence Valley Council is developing climate adaptation strategies and working to reduce greenhouse gas emissions.

What can I do to prepare for flooding in Harwood?

You can prepare for flooding by developing a flood plan, purchasing flood insurance, and staying informed about flood warnings.

How can I protect myself during a heatwave?

During a heatwave, stay hydrated, seek air-conditioned environments, and avoid strenuous activity.

What is the long-term outlook for Harwood in terms of climate change?

The long-term outlook for Harwood is uncertain, but climate change is expected to exacerbate existing risks and create new challenges.

Where can I find more information about climate change in Harwood?

You can find more information about climate change in Harwood on the Clarence Valley Council website and the NSW Department of Planning and Environment 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 Harwood, 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