Climate Risk Profile: Toms Creek, NSW

Toms Creek, New South Wales
Updated May 2026

Toms Creek faces moderate climate risks, primarily from flooding and bushfires. Climate change is projected to increase the frequency and intensity of these events, posing challenges for residents and property owners. Heatwaves are also expected to become more common.

Is Toms Creek Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Toms Creek, 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 Toms Creek

Flood

Toms Creek faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially leading to more frequent and severe flood events.

Key drivers:

  • ·Increased rainfall intensity
  • ·Sea level rise

Bushfire

The area surrounding Toms Creek has a high bushfire risk due to the presence of dense vegetation. Hotter and drier conditions, exacerbated by climate change, are likely to increase the frequency and intensity of bushfires.

Key drivers:

  • ·Increased temperatures
  • ·Decreased rainfall

Heat

Toms Creek is expected to experience an increase in the number of hot days and heatwaves due to climate change. This poses a risk to vulnerable populations, such as the elderly and those with chronic health conditions.

Key drivers:

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

Coastal

Toms Creek is not located near the coast and does not face any direct coastal risks.

Wind

Data being compiled

Storm

Data being compiled

Social

Data being compiled

Energy

Data being compiled

In-Depth Climate Risk Guides for Toms Creek

Detailed Hazard Analysis

heat Risk

Toms Creek is expected to experience an increase in the number of hot days and heatwaves due to climate change. This poses a risk to vulnerable populations, such as the elderly and those with chronic health conditions.

Primary Drivers

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

flood Risk

Toms Creek faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially leading to more frequent and severe flood events.

Primary Drivers

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

coastal Risk

Toms Creek is not located near the coast and does not face any direct coastal risks.

Data source

bushfire Risk

The area surrounding Toms Creek has a high bushfire risk due to the presence of dense vegetation. Hotter and drier conditions, exacerbated by climate change, are likely to increase the frequency and intensity of bushfires.

Primary Drivers

  • ·Increased temperatures
  • ·Decreased rainfall
  • ·Dry vegetation
Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums are likely to increase due to the rising risks of flooding and bushfires.

Price Impact

Properties in high-risk areas may experience a decrease in value as climate change impacts become more pronounced.

Buyer Checklist

  • 1.Check flood maps and bushfire prone area designations.
  • 2.Assess the property's vulnerability to flooding and bushfires.
  • 3.Obtain insurance quotes and understand coverage details.
  • 4.Consider the long-term climate risks and potential impacts on property value.

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 risks, such as levees, drainage systems, and flood-resistant building designs.

Est. cost: High

Learn more

Enhance Bushfire Preparedness

Immediate

Implement bushfire management strategies, including vegetation clearing, fire breaks, and community education programs.

Est. cost: Medium

Learn more

Develop Heatwave Response Plan

Near-term

Establish a heatwave response plan to protect vulnerable populations, including cooling centers and public awareness campaigns.

Est. cost: Low

Learn more

Promote Water Conservation

Long-term

Encourage water conservation measures to reduce water stress during periods of drought and heatwaves.

Est. cost: Low

Learn more

About Toms Creek's Climate Risk Profile

Toms Creek, located in New South Wales, is an area that will be increasingly affected by climate change. The primary risks are associated with flooding and bushfires, both of which are projected to become more frequent and intense in the coming decades.

Flooding is a significant concern due to the suburb's proximity to waterways. Increased rainfall intensity, driven by climate change, could lead to more frequent and severe flood events, impacting homes, businesses, and infrastructure. Effective flood management strategies are crucial to mitigate these risks.

Bushfire risk is also high, given the presence of dense vegetation in the surrounding areas. Hotter and drier conditions, exacerbated by climate change, create a more conducive environment for bushfires. Residents need to be prepared and take necessary precautions to protect their properties.

Heatwaves are another growing concern. As temperatures rise, the number of hot days and heatwaves is expected to increase, posing health risks to vulnerable populations. Access to cooling and adequate hydration will be essential during these events.

While Toms Creek does not face direct coastal risks, the broader impacts of climate change, such as disruptions to supply chains and increased insurance costs, could still affect the community.

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 Toms Creek?

The main climate risks facing Toms Creek are flooding, bushfires, and heatwaves. These risks are projected to increase in the coming decades due to climate change.

How will climate change affect property values in Toms Creek?

Properties in high-risk areas may experience a decrease in value as climate change impacts become more pronounced. It is important to assess the property's vulnerability to climate risks before purchasing.

What can I do to protect my home from flooding?

There are several measures you can take to protect your home from flooding, such as installing flood barriers, elevating appliances, and improving drainage.

How can I prepare for a bushfire?

You can prepare for a bushfire by clearing vegetation around your home, creating a fire break, and having a bushfire survival plan.

Where can I find more information about climate change in Toms Creek?

You can find more information about climate change in Toms Creek from the local council, the NSW government, and the Bureau of Meteorology.

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 Toms Creek, use our analysis tool.

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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