Climate Risk Profile: St Huberts Island, NSW

St Huberts Island, New South Wales· Central Coast· 2257
Updated May 2026

St Huberts Island faces moderate climate risks, primarily from flooding and coastal hazards. Sea level rise and increasing temperatures are key drivers of these risks, potentially impacting property values and community well-being. Residents should prepare for more frequent extreme weather events.

Is St Huberts Island Safe from Climate Risk?

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

Flood

St Huberts Island is susceptible to flooding due to its low-lying coastal location and proximity to Brisbane Water. Sea level rise and increased rainfall intensity are expected to exacerbate flood risk.

Key drivers:

  • ·Sea level rise
  • ·Increased rainfall intensity

Bushfire

Bushfire risk is relatively low due to the island's limited vegetation and surrounding waterways, which act as natural firebreaks. However, dry conditions and strong winds can still pose a threat.

Key drivers:

  • ·Dry conditions
  • ·Strong winds

Heat

St Huberts Island experiences moderate heat risk, with increasing average temperatures and more frequent heatwaves projected. This can impact vulnerable populations and infrastructure.

Key drivers:

  • ·Rising average temperatures
  • ·Increased frequency of heatwaves

Coastal

As an island, St Huberts Island is highly vulnerable to coastal erosion and sea level rise. This poses a significant threat to properties, infrastructure, and the natural environment.

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 St Huberts Island

Detailed Hazard Analysis

heat Risk

St Huberts Island experiences moderate heat risk, with increasing average temperatures and more frequent heatwaves projected. This can impact vulnerable populations and infrastructure.

Primary Drivers

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

flood Risk

St Huberts Island is susceptible to flooding due to its low-lying coastal location and proximity to Brisbane Water. Sea level rise and increased rainfall intensity are expected to exacerbate flood risk.

Primary Drivers

  • ·Sea level rise
  • ·Increased rainfall intensity
  • ·Storm surge
Data source

coastal Risk

As an island, St Huberts Island is highly vulnerable to coastal erosion and sea level rise. This poses a significant threat to properties, infrastructure, and the natural environment.

Primary Drivers

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

bushfire Risk

Bushfire risk is relatively low due to the island's limited vegetation and surrounding waterways, which act as natural firebreaks. However, dry conditions and strong winds can still pose a threat.

Primary Drivers

  • ·Dry conditions
  • ·Strong winds
  • ·Vegetation density
Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums are likely to increase due to the rising risk of flooding and coastal erosion.

Price Impact

Properties vulnerable to flooding and coastal erosion may experience a decrease in value.

Buyer Checklist

  • 1.Check flood maps and coastal erosion risk assessments.
  • 2.Assess the property's vulnerability to flooding and coastal erosion.
  • 3.Obtain insurance quotes and understand policy coverage.
  • 4.Consider the long-term 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

Raise homes and infrastructure

Near-term

Elevate buildings above projected flood levels to reduce the risk of water damage.

Est. cost: High

Learn more

Strengthen coastal defenses

Immediate

Implement coastal protection measures such as seawalls and beach nourishment to mitigate erosion.

Est. cost: Very High

Learn more

Improve drainage infrastructure

Near-term

Upgrade drainage systems to handle increased rainfall and reduce the risk of flooding.

Est. cost: Medium

Learn more

Develop a community emergency plan

Immediate

Create a plan to prepare for and respond to extreme weather events, including evacuation procedures and communication strategies.

Est. cost: Low

Learn more

Install water tanks

Long-term

Install water tanks to capture rainwater and reduce reliance on mains water during droughts.

Est. cost: Medium

Learn more

About St Huberts Island's Climate Risk Profile

St Huberts Island, located in Brisbane Water, is particularly vulnerable to the impacts of climate change. The island's low-lying topography makes it susceptible to flooding from increased rainfall and rising sea levels. Coastal erosion is also a significant concern, threatening properties and infrastructure along the shoreline.

Rising temperatures are expected to lead to more frequent and intense heatwaves, posing health risks to vulnerable residents. Changes in rainfall patterns could also affect water availability and the local ecosystem. While bushfire risk is relatively low, it cannot be entirely discounted, especially during prolonged dry periods.

The Central Coast Council is actively working on climate adaptation strategies to mitigate these risks. These strategies include improving drainage infrastructure, implementing coastal protection measures, and promoting community awareness of climate change impacts.

Homeowners should consider taking steps to protect their properties from flooding and coastal erosion. This may include raising homes, installing flood barriers, and reinforcing seawalls. It is also important to have an emergency plan in place and to stay informed about weather warnings and evacuation procedures.

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 for St Huberts Island?

The main risks are flooding, coastal erosion, and heatwaves, all exacerbated by sea level rise and increasing temperatures.

How is the Central Coast Council addressing climate change?

The council is implementing climate adaptation strategies, including improving drainage infrastructure and coastal protection measures.

What can I do to protect my property from flooding?

Consider raising your home, installing flood barriers, and improving drainage around your property.

Where can I find information about emergency preparedness?

Visit the NSW Emergency Services website for information about emergency plans and procedures.

Will climate change affect my property value?

Properties vulnerable to flooding and coastal erosion may experience a decrease in value.

What kind of insurance should I have?

You should have comprehensive home and contents insurance that covers flood damage and coastal erosion.

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 Huberts Island, 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