Climate Risk Profile: The Rock, NSW

The Rock, New South Wales· City of Wagga Wagga· 2655
Updated Apr 2026

The Rock, NSW, faces moderate climate risks, primarily from bushfires, heatwaves and flooding. Projections indicate an increasing risk from these hazards in the future. Residents should prepare for more frequent and intense extreme weather events.

Is The Rock Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for The Rock, 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 The Rock

Flood

The Rock has a moderate risk of flooding. Several waterways pass near the town, and heavy rainfall events can lead to localised flooding.

Key drivers:

  • ·Rainfall intensity
  • ·Catchment saturation

Bushfire

The Rock is located in a region with a high bushfire risk due to surrounding grasslands and bushland. Hot, dry summers and strong winds exacerbate the risk.

Key drivers:

  • ·Fuel load
  • ·Temperature

Heat

The Rock experiences hot summers, with the risk of heatwaves increasing. Higher average temperatures and more frequent extreme heat events are projected.

Key drivers:

  • ·Greenhouse gas emissions
  • ·Land surface temperature

Coastal

The Rock is located inland and has a very low risk from coastal hazards.

Wind

Data being compiled

Storm

Data being compiled

Social

Data being compiled

Energy

Data being compiled

In-Depth Climate Risk Guides for The Rock

Detailed Hazard Analysis

heat Risk

The Rock experiences hot summers, with the risk of heatwaves increasing. Higher average temperatures and more frequent extreme heat events are projected.

Primary Drivers

  • ·Greenhouse gas emissions
  • ·Land surface temperature
  • ·Urban heat island effect
Data source

flood Risk

The Rock has a moderate risk of flooding. Several waterways pass near the town, and heavy rainfall events can lead to localised flooding.

Primary Drivers

  • ·Rainfall intensity
  • ·Catchment saturation
  • ·Urban drainage capacity
Data source

coastal Risk

The Rock is located inland and has a very low risk from coastal hazards.

Data source

bushfire Risk

The Rock is located in a region with a high bushfire risk due to surrounding grasslands and bushland. Hot, dry summers and strong winds exacerbate the risk.

Primary Drivers

  • ·Fuel load
  • ·Temperature
  • ·Wind speed
  • ·Aridity
Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums may increase due to the rising risk of bushfires and floods.

Price Impact

Properties in high-risk areas may experience a decrease in value.

Buyer Checklist

  • 1.Check flood maps and bushfire-prone area designations.
  • 2.Assess the property's vulnerability to heatwaves.
  • 3.Obtain adequate insurance coverage.
  • 4.Develop a bushfire survival plan.

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

Develop a community bushfire plan

Immediate

Create a comprehensive bushfire plan that includes evacuation routes, designated safe areas, and communication strategies.

Est. cost: Low

Learn more

Improve urban drainage infrastructure

Near-term

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

Est. cost: Medium

Learn more

Implement a heatwave early warning system

Immediate

Establish a system to alert residents of impending heatwaves and provide guidance on staying safe.

Est. cost: Low

Learn more

Promote water conservation measures

Long-term

Encourage residents to conserve water to reduce strain on water resources during periods of drought and heat.

Est. cost: Low

Learn more

Support vulnerable populations during extreme weather events

Immediate

Provide assistance to elderly, disabled, and low-income residents during heatwaves, floods, and bushfires.

Est. cost: Medium

Learn more

About The Rock's Climate Risk Profile

The Rock, located in the Riverina region of New South Wales, is susceptible to a range of climate-related hazards. The primary concerns are bushfires due to the surrounding grasslands and bushland, heatwaves during the hot summer months, and flooding from local waterways following heavy rainfall.

The risk of bushfires is expected to increase with climate change, as hotter and drier conditions become more prevalent. This will lead to a longer fire season and potentially more intense fires. Residents should maintain their properties to reduce fuel loads and have a bushfire survival plan in place.

Heatwaves are also a significant concern, particularly for vulnerable populations such as the elderly and those with chronic health conditions. The number of days exceeding extreme temperatures is projected to rise, increasing the risk of heatstroke and other heat-related illnesses. Staying hydrated and seeking cool environments during heatwaves is crucial.

Flooding can occur in The Rock due to its proximity to waterways. Intense rainfall events can overwhelm drainage systems and cause localised flooding. It is important to stay informed about weather warnings and have a plan in place in case of flooding.

While coastal risks are minimal due to its inland location, the overall climate risk profile of The Rock suggests a need for proactive adaptation measures to protect the community and its assets.

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 The Rock?

The main climate change risks for The Rock are increased bushfire risk, more frequent and intense heatwaves, and a higher risk of flooding due to more intense rainfall events.

How can I prepare my home for a bushfire?

You can prepare your home for a bushfire by clearing vegetation around your house, cleaning gutters, having a bushfire survival plan, and ensuring you have adequate insurance coverage.

What should I do during a heatwave?

During a heatwave, stay hydrated, seek cool environments, avoid strenuous activity, and check on vulnerable neighbours and family members.

Where can I find information about flood risks in The Rock?

You can find information about flood risks in The Rock on the City of Wagga Wagga website and the NSW State Emergency Service website.

What is the council doing to address climate change?

The City of Wagga Wagga is developing and implementing climate change strategies to reduce emissions and adapt to the impacts of climate change. Details can be found on their website.

Are there any community groups focused on climate action in The Rock?

Check with the City of Wagga Wagga for information on local environmental and sustainability groups that may be active in The Rock.

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 The Rock, use our analysis tool.

Check Your flood Risk Now

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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