Climate Risk in North St Marys, NSW

North St Marys, New South Wales· Penrith· 2760
Updated May 2026

North St Marys faces moderate risks from flooding, bushfires, and heatwaves, which are expected to increase with climate change. Residents should prepare for more frequent extreme weather events and take steps to mitigate their impact.

Is North St Marys Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for North St Marys, 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 North St Marys

Flood

North St Marys faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially worsening flood events.

Key drivers:

  • ·Increased rainfall intensity
  • ·Urban development

Bushfire

The suburb has a moderate bushfire risk due to the presence of surrounding bushland. Hotter and drier conditions are projected to increase the frequency and intensity of bushfires.

Key drivers:

  • ·Increased temperatures
  • ·Drier conditions

Heat

North St Marys is likely to experience more frequent and intense heatwaves. This poses a risk to vulnerable populations, such as the elderly and those with chronic health conditions.

Key drivers:

  • ·Rising temperatures
  • ·Urban heat island effect

Coastal

North St Marys is not directly 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 North St Marys

Detailed Hazard Analysis

heat Risk

North St Marys is likely to experience more frequent and intense heatwaves. This poses a risk to vulnerable populations, such as the elderly and those with chronic health conditions.

Primary Drivers

  • ·Rising temperatures
  • ·Urban heat island effect
  • ·Reduced vegetation cover
Data source

flood Risk

North St Marys faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially worsening flood events.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Urban development
  • ·Inadequate drainage infrastructure
Data source

coastal Risk

North St Marys is not directly exposed to coastal risks.

Data source

bushfire Risk

The suburb has a moderate bushfire risk due to the presence of surrounding bushland. Hotter and drier conditions are projected to increase the frequency and intensity of bushfires.

Primary Drivers

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

What This Means for Property Owners

Insurance Outlook

Insurance premiums may increase due to flood and bushfire risks.

Price Impact

Properties in flood-prone areas may experience price reductions.

Buyer Checklist

  • 1.Check flood maps and bushfire prone area designations.
  • 2.Assess property's vulnerability to heatwaves.
  • 3.Review insurance options and costs.
  • 4.Consider potential impacts of climate change on property value.

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 drainage infrastructure

Near-term

Upgrade drainage systems to reduce flood risk during heavy rainfall events.

Est. cost: Medium

Learn more

Implement heatwave early warning system

Immediate

Develop a system to alert residents of impending heatwaves and provide guidance on how to stay safe.

Est. cost: Low

Learn more

Bushfire hazard reduction

Near-term

Conduct regular bushfire hazard reduction activities in areas surrounding the suburb.

Est. cost: Medium

Learn more

Promote water conservation

Long-term

Encourage residents to conserve water to reduce strain on water resources during droughts.

Est. cost: Low

Learn more

Community education programs

Near-term

Run community workshops on preparing for climate-related disasters.

Est. cost: Low

Learn more

About North St Marys's Climate Risk Profile

North St Marys, located in Western Sydney, is susceptible to several climate-related risks. The suburb's proximity to waterways increases its vulnerability to flooding, particularly during periods of heavy rainfall. Climate change projections indicate that rainfall intensity is likely to increase, potentially leading to more frequent and severe flood events.

The presence of surrounding bushland also poses a bushfire risk to North St Marys. Hotter and drier conditions are expected to exacerbate this risk, increasing the likelihood of bushfires during the fire season. Residents should be aware of bushfire safety measures and have a plan in place in case of an emergency.

Furthermore, North St Marys is likely to experience more frequent and intense heatwaves as a result of climate change. This can have significant impacts on human health, particularly for vulnerable populations. It is important to take precautions during heatwaves, such as staying hydrated and seeking shelter in cool environments.

While North St Marys is not directly exposed to coastal risks, the broader impacts of climate change, such as disruptions to supply chains and infrastructure, could still affect the suburb. It is essential for residents and businesses to adapt to these changes and build resilience to climate-related risks.

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 North St Marys?

The main risks are increased flooding, more frequent and intense heatwaves, and a higher risk of bushfires.

How can I prepare my home for a flood?

Raise electrical appliances, store valuables above flood level, and have an evacuation plan.

What should I do during a heatwave?

Stay hydrated, seek shelter in cool environments, and avoid strenuous activity.

How can I protect my property from bushfires?

Clear vegetation around your home, maintain your roof and gutters, and have a bushfire survival plan.

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

Visit the Penrith City Council website or the NSW Department of Planning and Environment website.

Is North St Marys likely to become uninsurable due to climate change?

While insurance premiums may increase, it is unlikely that the suburb will become completely uninsurable. However, it is important to review your insurance policy regularly and ensure that you have adequate coverage.

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 North St Marys, use our analysis tool.

Check Your flood Risk Now

Check North St Marys's specific flood risk and see how it compares to nearby suburbs. Enter your address for an instant risk assessment.

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