Climate Risk in Tomago, NSW

Tomago, New South Wales· Port Stephens· 2322
Updated May 2026

Tomago faces a medium overall climate risk. The primary risks are from heatwaves and flooding, with increasing trends expected due to climate change. Residents should prepare for more frequent extreme weather events.

Is Tomago Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Tomago, 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 Tomago

Flood

Tomago faces a moderate risk of flooding due to its proximity to the Hunter River and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.

Key drivers:

  • ·Increased rainfall intensity
  • ·Sea level rise

Bushfire

Tomago has a moderate bushfire risk due to surrounding bushland. Hotter, drier conditions are expected to increase the frequency and intensity of bushfires.

Key drivers:

  • ·Increased temperatures
  • ·Drier conditions

Heat

Tomago is likely to experience more frequent and intense heatwaves. This poses a risk to vulnerable populations and infrastructure.

Key drivers:

  • ·Increased greenhouse gas emissions
  • ·Urban heat island effect

Coastal

Tomago faces a moderate risk from coastal hazards due to sea level rise and storm surges. This could impact low-lying areas and infrastructure.

Key drivers:

  • ·Sea level rise
  • ·Storm surge

Wind

Data being compiled

Storm

Data being compiled

Social

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Energy

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In-Depth Climate Risk Guides for Tomago

Detailed Hazard Analysis

heat Risk

Tomago is likely to experience more frequent and intense heatwaves. This poses a risk to vulnerable populations and infrastructure.

Primary Drivers

  • ·Increased greenhouse gas emissions
  • ·Urban heat island effect
Data source

flood Risk

Tomago faces a moderate risk of flooding due to its proximity to the Hunter River and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Sea level rise
  • ·Urban development
Data source

coastal Risk

Tomago faces a moderate risk from coastal hazards due to sea level rise and storm surges. This could impact low-lying areas and infrastructure.

Primary Drivers

  • ·Sea level rise
  • ·Storm surge
  • ·Erosion
Data source

bushfire Risk

Tomago has a moderate bushfire risk due to surrounding bushland. Hotter, drier conditions are expected to increase the frequency and intensity of bushfires.

Primary Drivers

  • ·Increased temperatures
  • ·Drier conditions
  • ·Fuel load
Data source

What This Means for Property Owners

Insurance Outlook

Insurers are likely to increase premiums in response to increased flood and heatwave risks.

Price Impact

Properties in flood-prone areas may experience a decrease in value.

Buyer Checklist

  • 1.Check flood maps and insurance costs.
  • 2.Assess bushfire risk and prepare a bushfire survival plan.
  • 3.Consider energy efficiency measures to mitigate heat impacts.

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 infrastructure to mitigate flood risk, such as levees and improved drainage systems.

Est. cost: High

Learn more

Enhance Bushfire Preparedness

Immediate

Implement community education programs and support residents in preparing their properties for bushfires.

Est. cost: Medium

Learn more

Develop Heat Action Plan

Near-term

Create a heat action plan to protect vulnerable populations during heatwaves, including cooling centers and public awareness campaigns.

Est. cost: Low

Learn more

Coastal Management Strategy

Long-term

Develop a long-term coastal management strategy to address the impacts of sea level rise and storm surges.

Est. cost: High

Learn more

About Tomago's Climate Risk Profile

Tomago, located in the Hunter region of New South Wales, is susceptible to a range of climate-related hazards. The suburb's proximity to the Hunter River increases its vulnerability to flooding, particularly during periods of heavy rainfall. Climate change is projected to exacerbate this risk, with more intense rainfall events expected in the future.

Bushfire risk is also a concern for Tomago, given the presence of surrounding bushland. Hotter and drier conditions, driven by climate change, are likely to increase the frequency and severity of bushfires in the region. Residents should be aware of bushfire safety measures and maintain their properties accordingly.

Heatwaves pose a significant threat to the health and well-being of Tomago residents, especially vulnerable populations such as the elderly and those with pre-existing medical conditions. The number of heat stress events per year is projected to increase, placing additional strain on the community and local infrastructure.

Sea level rise and storm surges also present a risk to Tomago, particularly in low-lying coastal areas. While the immediate impact may be less pronounced compared to other hazards, the long-term effects of coastal erosion and inundation could be significant. Planning for adaptation measures is crucial to mitigate these 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

Frequently Asked Questions

What are the main climate risks facing Tomago?

Tomago faces risks from flooding, bushfires, heatwaves, and coastal hazards. Flooding is a particular concern due to the suburb's proximity to the Hunter River.

How is climate change expected to impact Tomago?

Climate change is projected to increase the frequency and intensity of extreme weather events, such as heatwaves, floods, and bushfires, impacting Tomago.

What can residents do to prepare for climate change?

Residents can prepare by developing emergency plans, maintaining their properties, and staying informed about climate risks and adaptation measures.

What is the council doing to address climate change?

Port Stephens Council has a climate strategy in place to reduce emissions and adapt to the impacts of climate change. They are also working on flood mitigation and bushfire preparedness measures.

Where can I find more information about climate risks in Tomago?

You can find more information on the Port Stephens Council website, the NSW Office of Environment and Heritage website, and the Bureau of Meteorology website.

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 Tomago, 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

Climate Risk in Tomago, NSW | ClimateNest