Flood Risk in Tomki, NSW: 2026 Assessment

Tomki, New South Wales

Moderate flood risk — coastal and riverine flooding possible along major waterwaysUpdated 28 June 2026

Is Tomki Safe from Climate Risk?

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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

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Flood Risk Score

Not assessed

Moderate flood risk — coastal and riverine flooding possible along major waterways

Key Facts

Flood Risk: Moderate flood risk — coastal and riverine flooding possible along major waterways
Trend: increasing
Suburb: Tomki, NSW
Overall Risk: Moderate

Flood Risk Analysis

Tomki, located in New South Wales, has a location-specific flood risk profile based on available data including proximity to waterways, elevation, and historical flood events. The Bureau of Meteorology (BOM) maintains river height and flood warning data for catchments across New South Wales.

Flood risk in Tomki is shaped by local topography and catchment characteristics. Even within a single suburb, elevation differences can significantly change flood exposure. Properties near waterways or in low-lying areas warrant closer assessment.

Moderate flood risk — coastal and riverine flooding possible along major waterways

For a comprehensive property-specific flood assessment including address-level elevation data, flood overlay mapping, and insurance cost estimates, use the ClimateNest full analysis tool. General suburb data cannot replace a site-specific evaluation.

Explore Tomki Risk Reports

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Frequently Asked Questions

Is Tomki at risk of flooding?

Based on available data, Tomki has a location-specific flood risk profile. Flood risk varies by address — check your specific property for precise flood zone mapping and elevation data with ClimateNest.

What flood insurance costs can I expect in Tomki?

Insurance costs for flood cover in Tomki depend on the property's flood zone classification, elevation, and proximity to waterways. ClimateNest provides address-level insurance cost estimates based on your property's specific hazard exposure.

Does flood risk affect property values in Tomki?

Yes, flood risk can affect property values in Tomki. Properties in mapped flood zones may experience lower buyer demand, reduced valuations, and higher insurance costs. Lenders increasingly assess flood exposure as part of mortgage risk evaluation.

How does elevation affect flood risk in Tomki?

Elevation is a critical factor in flood risk. Properties at higher elevations within Tomki typically have lower flood exposure than those near waterways or in low-lying areas. Address-level elevation data combined with BOM flood mapping provides the most accurate picture.