Bushfire Risk in Tongarra, NSW: 2026 Assessment

Tongarra, New South Wales· Shellharbour
The risk of bushfire in Tongarra is moderate, given the presence of surrounding bushland. Hotter, drier conditions are projected to increase bushfire frequency and intensity.Updated 31 May 2026

Is Tongarra Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Tongarra, 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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Bushfire Risk Score

Not assessed

The risk of bushfire in Tongarra is moderate, given the presence of surrounding bushland. Hotter, drier conditions are projected to increase bushfire frequency and intensity.

Key Facts

Bushfire Risk
The risk of bushfire in Tongarra is moderate, given the presence of surrounding bushland. Hotter, drier conditions are projected to increase bushfire frequency and intensity.
Trend
increasing
Suburb
Tongarra, NSW
Overall Risk
Medium
Postcode
2527

Bushfire Risk Analysis

Tongarra, New South Wales, has a the risk of bushfire in tongarra is moderate, given the presence of surrounding bushland. hotter, drier conditions are projected to increase bushfire frequency and intensity. bushfire risk profile. Key factors include distance to classified bushland, vegetation type, slope, and historical bushfire activity in the region. The New South Wales fire authority maps bushfire-prone areas and assigns BAL (Bushfire Attack Level) ratings.

Properties bordering bushland are at higher risk.

CSIRO research indicates climate change is extending fire seasons and increasing the number of severe fire weather days across southern and eastern Australia. For Tongarra, this may mean shifts in bushfire risk levels over the coming decades, making property-level BAL assessment increasingly important.

Use ClimateNest for a complete address-level bushfire risk report for Tongarra including BAL zone assessment, evacuation route mapping, and property-specific risk mitigation recommendations.

ClimateNest assesses hazards at the address rather than the suburb, because exposure varies street by street within Tongarra. An address-level check is what tells you about a specific property before you buy, sell or insure it.

Local Hazard Evidence

Distance to BushlandAdjacent to bushland reserves
BAL Overlay / ZoneRFS Bush Fire Prone Land Map
Bushfire Prone AreaYes

Historical Events

2013
Moderate

Bushfires in the region threatened properties and caused evacuations.

Adaptation & Mitigation Actions

Upgrade flood defenses

Near-term

Invest in infrastructure to protect properties from flooding.

Est. cost: High

Improve bushfire management

Near-term

Implement strategies to reduce bushfire risk.

Est. cost: Medium

Develop heatwave response plan

Immediate

Create a plan to protect vulnerable residents during heatwaves.

Est. cost: Low

Protect coastal areas

Long-term

Implement measures to protect coastal properties from erosion and inundation.

Est. cost: High

Council & Emergency Services

Shellharbour City Council
Emergency Services

Data last updated: 31 May 2026

Explore Tongarra Risk Reports

Frequently Asked Questions

Is Tongarra in a bushfire prone area?

Parts of Tongarra may be designated as bushfire prone land. Based on available data, Tongarra has a location-specific bushfire risk. Check your specific property for BAL ratings through ClimateNest or your local council.

What BAL rating applies to properties in Tongarra?

BAL ratings in Tongarra depend on the property's distance from classified vegetation, vegetation type, and slope. A site-specific assessment under AS 3959 is required to determine the exact BAL rating for any property within the suburb.

Does bushfire risk affect insurance in Tongarra?

Yes, properties in bushfire-prone parts of Tongarra may face higher building insurance premiums. Insurers assess bushfire risk based on BAL rating, fire history, and proximity to bushland. Some insurers may restrict cover in very high-risk locations.

What bushfire mitigation measures help protect homes in Tongarra?

Effective bushfire mitigation includes maintaining cleared asset protection zones, using ember-proof mesh on vents, installing metal gutter guards, using non-combustible building materials, and maintaining defendable space. Consult the New South Wales fire authority for property-specific guidance.

Is Tongarra Safe from Climate Risk?

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