Climate Risk in St Marys, NSW

St Marys, New South Wales· Penrith· 2760
Updated Mar 2026

St Marys faces increasing risks from flooding and heatwaves due to climate change. Bushfire risk is moderate and also projected to increase. Coastal risks are negligible due to its inland location.

Is St Marys Safe from Climate Risk?

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

Flood

St Marys has a moderate risk of flooding due to its proximity to waterways and relatively flat terrain. Several properties are potentially exposed to flood events.

Key drivers:

  • ·Increased rainfall intensity
  • ·Urban development reducing natural drainage

Bushfire

The bushfire risk in St Marys is moderate, with some areas bordering bushland. Increased temperatures and drier conditions can exacerbate this risk.

Key drivers:

  • ·Higher temperatures
  • ·Drier vegetation

Heat

St Marys is expected to experience more frequent and intense heatwaves. This poses a significant risk to vulnerable populations.

Key drivers:

  • ·Rising global temperatures
  • ·Urban heat island effect

Coastal

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

Key drivers:

  • ·Distance from the coast

Wind

Data being compiled

Storm

Data being compiled

Social

Data being compiled

Energy

Data being compiled

In-Depth Climate Risk Guides for St Marys

Detailed Hazard Analysis

heat Risk

St Marys is expected to experience more frequent and intense heatwaves. This poses a significant risk to vulnerable populations.

Primary Drivers

  • ·Rising global temperatures
  • ·Urban heat island effect
Data source

flood Risk

St Marys has a moderate risk of flooding due to its proximity to waterways and relatively flat terrain. Several properties are potentially exposed to flood events.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Urban development reducing natural drainage
Data source

coastal Risk

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

Primary Drivers

  • ·Distance from the coast
Data source

bushfire Risk

The bushfire risk in St Marys is moderate, with some areas bordering bushland. Increased temperatures and drier conditions can exacerbate this risk.

Primary Drivers

  • ·Higher temperatures
  • ·Drier vegetation
  • ·Increased frequency of extreme weather events
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 the property's vulnerability to heatwaves.
  • 3.Consider the potential for increased insurance premiums.
  • 4.Review council's climate change adaptation plans.

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 stormwater drainage

Near-term

Upgrade stormwater infrastructure to handle increased rainfall intensity and reduce flood risk.

Est. cost: Medium

Learn more

Implement a heatwave management plan

Immediate

Develop a plan to protect vulnerable populations during heatwaves, including cooling centers and community outreach programs.

Est. cost: Low

Learn more

Bushfire preparedness

Near-term

Undertake controlled burns and vegetation management to reduce bushfire risk. Educate residents on bushfire safety and evacuation procedures.

Est. cost: Medium

Learn more

Promote water conservation

Long-term

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

Est. cost: Low

Learn more

About St Marys's Climate Risk Profile

St Marys, located in Western Sydney, is projected to experience significant impacts from climate change. The primary concerns are increased flooding due to more intense rainfall events and rising temperatures leading to more frequent and severe heatwaves.

The risk of flooding is exacerbated by urban development, which reduces natural drainage and increases runoff. The Hawkesbury-Nepean River system poses a flood risk to the region. Climate change models predict an increase in extreme rainfall events, further increasing the likelihood of flooding.

Heatwaves are also a major concern, particularly for vulnerable populations such as the elderly and those with pre-existing health conditions. The urban heat island effect, caused by the concentration of buildings and paved surfaces, can amplify the effects of heatwaves.

While the risk of coastal hazards is minimal due to its inland location, St Marys is still vulnerable to the indirect impacts of climate change, such as disruptions to supply chains and increased demand for resources.

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 Marys?

The main risks are increased flooding due to more intense rainfall, more frequent and severe heatwaves, and a moderate increase in bushfire risk.

How is Penrith City Council addressing climate change?

Penrith City Council has a climate change strategy that outlines actions to reduce greenhouse gas emissions and adapt to the impacts of climate change.

What can I do to prepare for heatwaves in St Marys?

Stay hydrated, stay cool, and check on vulnerable neighbors. Consider installing air conditioning or visiting a cooling center during heatwaves.

How can I protect my property from flooding in St Marys?

Check flood maps to assess your property's risk. Consider installing flood barriers and ensuring your property is adequately insured.

What should I do if there is a bushfire near St Marys?

Stay informed about bushfire alerts and warnings. Have a bushfire survival plan and be prepared to evacuate if necessary.

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 Marys, use our analysis tool.

Check Your flood Risk Now

Check 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

Climate Risk Assessment for St Marys, NSW | ClimateNest