Climate Risk Profile: St Clair, NSW

St Clair, New South Wales· Penrith· 2759
Updated Mar 2026

St Clair is a suburb in New South Wales that faces moderate risks from flooding and heatwaves. Climate change is expected to increase these risks in the future. Bushfire risk is moderate and coastal risk is low.

Is St Clair Safe from Climate Risk?

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

Flood

St Clair faces a moderate risk of flooding, primarily from heavy rainfall events and nearby waterways. The risk is expected to increase due to climate change.

Key drivers:

  • ·Increased rainfall intensity
  • ·Urban development

Bushfire

St Clair has a moderate bushfire risk due to its proximity to bushland areas. Hot, dry conditions can elevate the risk during bushfire season.

Key drivers:

  • ·Dry vegetation
  • ·High temperatures

Heat

St Clair experiences a high risk of heatwaves and extreme heat events, particularly during summer. Climate change is expected to exacerbate this risk.

Key drivers:

  • ·Climate change
  • ·Urban heat island effect

Coastal

St Clair is located inland and has a very low risk of coastal hazards.

Wind

Data being compiled

Storm

Data being compiled

Social

Data being compiled

Energy

Data being compiled

In-Depth Climate Risk Guides for St Clair

Detailed Hazard Analysis

heat Risk

St Clair experiences a high risk of heatwaves and extreme heat events, particularly during summer. Climate change is expected to exacerbate this risk.

Primary Drivers

  • ·Climate change
  • ·Urban heat island effect
  • ·High population density
Data source

flood Risk

St Clair faces a moderate risk of flooding, primarily from heavy rainfall events and nearby waterways. The risk is expected to increase due to climate change.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Urban development
  • ·Climate change
Data source

coastal Risk

St Clair is located inland and has a very low risk of coastal hazards.

Data source

bushfire Risk

St Clair has a moderate bushfire risk due to its proximity to bushland areas. Hot, dry conditions can elevate the risk during bushfire season.

Primary Drivers

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

What This Means for Property Owners

Insurance Outlook

Premiums may increase due to flood and heatwave risks.

Price Impact

Potential for decreased property values in flood-prone areas.

Buyer Checklist

  • 1.Check flood maps and historical flood data.
  • 2.Assess property's vulnerability to heatwaves.
  • 3.Review bushfire risk and mitigation measures.
  • 4.Consider insurance costs and coverage.

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

Near-term

Upgrade drainage infrastructure and implement flood-proofing measures for properties in flood-prone areas.

Est. cost: Medium

Learn more

Enhance Heatwave Preparedness

Immediate

Develop a heatwave management plan and provide cooling centers for vulnerable residents.

Est. cost: Low

Learn more

Strengthen Bushfire Resilience

Near-term

Implement bushfire mitigation measures, such as vegetation management and fire breaks, in areas bordering bushland.

Est. cost: Medium

Learn more

Community Awareness Programs

Long-term

Educate residents about climate risks and adaptation strategies through community workshops and information campaigns.

Est. cost: Low

Learn more

About St Clair's Climate Risk Profile

St Clair, located in New South Wales, is subject to a range of climate-related risks. The primary concerns are flooding and heatwaves, with bushfire risk also being a consideration. The suburb's location and climate patterns contribute to these vulnerabilities.

Flooding is a significant concern due to heavy rainfall events and the presence of nearby waterways. Climate change is projected to increase the intensity and frequency of these events, potentially leading to more widespread flooding in the area. Residents and property owners should be aware of the potential risks and take appropriate precautions.

Heatwaves are another major concern, particularly during the summer months. St Clair experiences high temperatures, and climate change is expected to exacerbate this issue, leading to more frequent and intense heatwaves. This can pose a significant risk to vulnerable populations, such as the elderly and those with pre-existing health conditions.

Bushfire risk is moderate, with the potential for fires to occur during hot, dry conditions. While not as significant as flooding or heatwaves, it is still important to be aware of the risk and take appropriate precautions, especially during the bushfire season.

Coastal risks are minimal due to St Clair's inland location.

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 St Clair?

The main climate change risks in St Clair are increased flooding, more frequent and intense heatwaves, and a moderate risk of bushfires.

How will climate change affect property values in St Clair?

Climate change may lead to decreased property values in flood-prone areas due to increased flood risk and insurance costs.

What is the council doing to address climate change in St Clair?

Penrith City Council has a climate strategy that includes measures to reduce emissions, improve resilience to climate impacts, and educate the community.

How can I prepare my home for a heatwave in St Clair?

You can prepare your home for a heatwave by installing insulation, using fans and air conditioning, and staying hydrated. It's also important to check on vulnerable neighbors and family members.

What should I do during a flood in St Clair?

During a flood, you should move to higher ground, avoid driving through floodwaters, and follow the instructions of emergency services. It's also important to have an emergency kit prepared.

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 St Clair, use our analysis tool.

Check Your flood Risk Now

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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