Climate Risk in North Tumbulgum, NSW

North Tumbulgum, New South Wales
Updated May 2026

North Tumbulgum faces a moderate climate risk, primarily driven by flooding and heat. The area is susceptible to riverine flooding from the Tweed River, and experiences increasing heatwave frequency. While not directly coastal, it may experience indirect impacts from coastal hazards.

Is North Tumbulgum Safe from Climate Risk?

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

Flood

North Tumbulgum faces a significant flood risk due to its proximity to the Tweed River. The area is susceptible to both riverine and flash flooding, which can inundate properties and disrupt infrastructure.

Key drivers:

  • ·Increased rainfall intensity
  • ·Rising river levels

Bushfire

The bushfire risk in North Tumbulgum is moderate. While not immediately surrounded by dense bushland, the area is still vulnerable to ember attacks and potential fire spread from nearby vegetation.

Key drivers:

  • ·Dry vegetation
  • ·High temperatures

Heat

North Tumbulgum experiences moderately high temperatures during summer, leading to potential heat stress for vulnerable populations. The frequency and intensity of heatwaves are projected to increase.

Key drivers:

  • ·Rising average temperatures
  • ·Increased frequency of heatwaves

Coastal

North Tumbulgum is located inland and is not directly exposed to coastal hazards. However, it may experience indirect impacts from coastal erosion and sea level rise affecting nearby coastal communities and infrastructure.

Key drivers:

  • ·Sea level rise
  • ·Coastal erosion

Wind

Data being compiled

Storm

Data being compiled

Social

Data being compiled

Energy

Data being compiled

In-Depth Climate Risk Guides for North Tumbulgum

Detailed Hazard Analysis

heat Risk

North Tumbulgum experiences moderately high temperatures during summer, leading to potential heat stress for vulnerable populations. The frequency and intensity of heatwaves are projected to increase.

Primary Drivers

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

flood Risk

North Tumbulgum faces a significant flood risk due to its proximity to the Tweed River. The area is susceptible to both riverine and flash flooding, which can inundate properties and disrupt infrastructure.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Rising river levels
  • ·Inadequate drainage infrastructure
Data source

coastal Risk

North Tumbulgum is located inland and is not directly exposed to coastal hazards. However, it may experience indirect impacts from coastal erosion and sea level rise affecting nearby coastal communities and infrastructure.

Primary Drivers

  • ·Sea level rise
  • ·Coastal erosion
  • ·Storm surges
Data source

bushfire Risk

The bushfire risk in North Tumbulgum is moderate. While not immediately surrounded by dense bushland, the area is still vulnerable to ember attacks and potential fire spread from nearby vegetation.

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 elevated flood risk.

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 elevation and drainage.
  • 3.Obtain a comprehensive building inspection.
  • 4.Review insurance options and potential premiums.
  • 5.Consider the long-term climate 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

Improve Flood Defenses

Immediate

Invest in levees, drainage systems, and flood-resistant building designs to protect properties from inundation.

Est. cost: High

Learn more

Develop a Heat Action Plan

Near-term

Implement strategies to mitigate the impacts of heatwaves, such as establishing cooling centers, providing public awareness campaigns, and improving building insulation.

Est. cost: Medium

Learn more

Enhance Bushfire Preparedness

Near-term

Conduct regular bushfire risk assessments, implement vegetation management programs, and educate residents on bushfire safety measures.

Est. cost: Medium

Learn more

Promote Sustainable Land Use Planning

Long-term

Implement land use planning policies that minimize development in high-risk areas and promote green infrastructure to reduce the urban heat island effect.

Est. cost: Medium

Learn more

About North Tumbulgum's Climate Risk Profile

North Tumbulgum, located in New South Wales, is particularly vulnerable to flooding due to its proximity to the Tweed River. Climate change is expected to exacerbate this risk, with increased rainfall intensity leading to more frequent and severe flood events. Residents and businesses should be prepared for potential inundation and disruptions to infrastructure.

Heatwaves are also a growing concern for North Tumbulgum. Rising average temperatures and more frequent heatwaves can pose health risks, especially for vulnerable populations such as the elderly and those with pre-existing medical conditions. Implementing heat mitigation strategies, such as increasing green spaces and improving building insulation, is crucial.

While North Tumbulgum is not directly on the coast, it may experience indirect impacts from coastal hazards affecting nearby areas. Sea level rise and coastal erosion can disrupt supply chains and impact regional economies, indirectly affecting North Tumbulgum.

Addressing these climate risks requires a multi-faceted approach, including investing in flood mitigation infrastructure, implementing heat adaptation measures, and promoting sustainable land use planning. Community engagement and awareness are also essential to building resilience and ensuring the long-term well-being of North Tumbulgum.

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 North Tumbulgum?

The main climate risks are flooding from the Tweed River and increasing heatwave frequency. The area is also potentially exposed to indirect impacts from coastal hazards.

How will climate change affect property values in North Tumbulgum?

Properties in flood-prone areas may experience a decrease in value due to the increased risk of inundation. Insurance premiums are also likely to increase.

What is the council doing to address climate change in North Tumbulgum?

The Tweed Shire Council is developing and implementing climate adaptation strategies, including investing in flood mitigation infrastructure and promoting sustainable land use planning.

How can I prepare my home for flooding in North Tumbulgum?

You can prepare your home by elevating appliances, installing flood barriers, and ensuring proper drainage. It's also important to have an emergency plan and insurance coverage.

Where can I find more information about flood risks in North Tumbulgum?

You can find more information on the Tweed Shire Council website, the Bureau of Meteorology website, and the NSW State Emergency 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 North Tumbulgum, use our analysis tool.

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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