Climate Risk Assessment for Thurgoona, NSW

Thurgoona, New South Wales· Albury City· 2640

Updated Apr 2026

Thurgoona faces moderate risks from flooding, bushfires, and heatwaves, which are expected to increase with climate change. While coastal risks are negligible, residents should prepare for more frequent and intense extreme weather events.

Is Thurgoona Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Thurgoona, New South Wales, covering flood, bushfire, sea level rise and more.

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$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

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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 Thurgoona

Flood

Thurgoona faces a moderate risk of flooding due to its proximity to waterways and relatively flat terrain. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.

Key drivers:

·Increased rainfall intensity
·Urban development

Bushfire

Thurgoona has a moderate bushfire risk due to surrounding bushland. Hot, dry conditions during summer increase the likelihood of bushfires. Climate change is projected to lengthen the fire season and increase fire intensity.

Key drivers:

·Dry vegetation
·High temperatures

Heat

Thurgoona experiences high temperatures during summer, posing a risk to vulnerable populations. Climate change is expected to increase the frequency and intensity of heatwaves, leading to heat stress and health impacts.

Key drivers:

·Climate change
·Urban heat island effect

Coastal

Thurgoona is located inland and does not face a direct risk from coastal hazards such as sea level rise or coastal erosion. The risk is negligible.

Key drivers:

·Distance from coast

Wind

Data being compiled

Storm

Data being compiled

Social

Data being compiled

Energy

Data being compiled

In-Depth Climate Risk Guides for Thurgoona

Should I Buy

Property buying guide with climate risk assessment

Flood Risk

Flood zone mapping, historical events, and projections

Bushfire Risk

BAL assessment, vegetation proximity, and fire history

Climate Safety

Multi-hazard safety assessment to 2050

Storm Risk

Severe weather, hail, and wind risk analysis

Heat Risk

Extreme heat days, urban heat island, and cooling costs

Insurance Costs

Premium estimates and insurance availability

Investment Score

Climate-adjusted property investment analysis

Detailed Hazard Analysis

heat Risk

Primary Drivers

·Climate change
·Urban heat island effect
·Reduced vegetation cover

Data source

flood Risk

Primary Drivers

·Increased rainfall intensity
·Urban development
·Climate change

Data source

coastal Risk

Thurgoona is located inland and does not face a direct risk from coastal hazards such as sea level rise or coastal erosion. The risk is negligible.

Primary Drivers

·Distance from coast

Data source

bushfire Risk

Primary Drivers

·Dry vegetation
·High temperatures
·Strong winds

Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums may increase due to increased flood and bushfire risk.

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 property's vulnerability to heatwaves.
3.Obtain adequate insurance coverage.
4.Develop a household emergency 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

Improve Flood Defenses

Near-term

Invest in flood mitigation infrastructure, such as levees and drainage systems, to protect properties from flooding.

Est. cost: High

Learn more

Enhance Bushfire Preparedness

Immediate

Implement bushfire management strategies, such as controlled burns and vegetation clearing, to reduce bushfire risk.

Est. cost: Medium

Learn more

Develop Heatwave Action Plan

Immediate

Create a heatwave action plan to protect vulnerable populations during extreme heat events.

Est. cost: Low

Learn more

Promote Water Conservation

Long-term

Encourage water conservation measures to reduce water stress during droughts and heatwaves.

Est. cost: Low

Learn more

Community Education Programs

Near-term

Implement community education programs to raise awareness about climate risks and adaptation strategies.

Est. cost: Low

Learn more

About Thurgoona's Climate Risk Profile

Thurgoona, located in the Riverina region of New South Wales, is exposed to several climate-related risks. The primary concerns are flooding due to increased rainfall intensity, bushfires exacerbated by hotter and drier conditions, and heatwaves that can impact public health.

The risk of flooding is heightened by the suburb's proximity to waterways and relatively flat terrain. Climate change projections indicate an increase in heavy rainfall events, which could lead to more frequent and severe flooding.

Bushfire risk is also a significant concern, particularly during the summer months when hot, dry conditions prevail. The surrounding bushland provides ample fuel for fires, and climate change is expected to lengthen the fire season and increase fire intensity.

Heatwaves pose a threat to vulnerable populations, especially the elderly and those with pre-existing health conditions. Climate change is projected to increase the frequency and intensity of heatwaves, leading to heat stress and other health impacts.

While Thurgoona is not directly exposed to coastal hazards, the impacts of climate change on other regions could indirectly affect the suburb through supply chain disruptions and population displacement. Residents should take proactive measures to adapt to these changing conditions and mitigate the risks.

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

Albury City Council

Climate Strategy Flood Maps Emergency Services

Frequently Asked Questions

What are the main climate change risks in Thurgoona?

The main climate change risks in Thurgoona are increased flooding, bushfire risk, and heatwaves.

How will climate change affect property values in Thurgoona?

Properties in high-risk areas may experience a decrease in value due to increased flood and bushfire risk.

What can I do to prepare for a flood in Thurgoona?

You can prepare for a flood by developing a household emergency plan, obtaining adequate insurance coverage, and staying informed about flood warnings.

How can I protect my home from bushfires in Thurgoona?

You can protect your home from bushfires by maintaining firebreaks, clearing vegetation around your property, and having a bushfire survival plan.

What resources are available to help me adapt to climate change in Thurgoona?

Albury City Council, NSW SES, and NSW RFS provide resources and information to help residents adapt to climate change.

Is Thurgoona likely to experience more heatwaves in the future?

Yes, climate projections indicate that Thurgoona is likely to experience more frequent and intense heatwaves in the future.

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 Thurgoona, use our analysis tool.

Analyse a Property in Thurgoona →

Check Your flood Risk Now

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Get Your flood Risk Report — A$49

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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