Climate Risk in Towradgi, NSW

Towradgi, New South Wales· Wollongong· 2518
Updated May 2026

Towradgi is a coastal suburb in New South Wales that faces moderate climate risks. The primary concerns are flooding, heatwaves, and coastal hazards. Residents should prepare for increasing risks associated with climate change.

Is Towradgi Safe from Climate Risk?

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

Flood

Towradgi faces a moderate risk of flooding due to its low-lying coastal location and proximity to creeks and waterways. Intense rainfall events can lead to flash flooding and riverine flooding.

Key drivers:

  • ·Increased rainfall intensity
  • ·Sea level rise

Bushfire

Bushfire risk in Towradgi is relatively low due to its coastal location and limited vegetation. However, areas bordering bushland may experience some risk during extreme fire weather conditions.

Key drivers:

  • ·Dry vegetation
  • ·High temperatures

Heat

Towradgi experiences a high risk of heatwaves and extreme heat events, particularly during summer. Rising temperatures can pose a significant threat to vulnerable populations.

Key drivers:

  • ·Rising global temperatures
  • ·Urban heat island effect

Coastal

Towradgi is exposed to coastal hazards such as sea level rise, coastal erosion, and storm surges. These hazards can impact infrastructure, property, and coastal ecosystems.

Key drivers:

  • ·Sea level rise
  • ·Increased storm intensity

Wind

Data being compiled

Storm

Data being compiled

Social

Data being compiled

Energy

Data being compiled

In-Depth Climate Risk Guides for Towradgi

Detailed Hazard Analysis

heat Risk

Towradgi experiences a high risk of heatwaves and extreme heat events, particularly during summer. Rising temperatures can pose a significant threat to vulnerable populations.

Primary Drivers

  • ·Rising global temperatures
  • ·Urban heat island effect
Data source

flood Risk

Towradgi faces a moderate risk of flooding due to its low-lying coastal location and proximity to creeks and waterways. Intense rainfall events can lead to flash flooding and riverine flooding.

Primary Drivers

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

coastal Risk

Towradgi is exposed to coastal hazards such as sea level rise, coastal erosion, and storm surges. These hazards can impact infrastructure, property, and coastal ecosystems.

Primary Drivers

  • ·Sea level rise
  • ·Increased storm intensity
Data source

bushfire Risk

Bushfire risk in Towradgi is relatively low due to its coastal location and limited vegetation. However, areas bordering bushland may experience some risk during extreme fire weather conditions.

Primary Drivers

  • ·Dry vegetation
  • ·High temperatures
  • ·Strong winds
Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums may increase due to climate risks.

Price Impact

Properties in high-risk areas may experience price reductions.

Buyer Checklist

  • 1.Check flood maps and bushfire prone area designations.
  • 2.Assess property's vulnerability to coastal hazards.
  • 3.Consider energy efficiency and cooling options.
  • 4.Review insurance coverage and potential premium increases.

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 stormwater drainage

Near-term

Upgrade stormwater infrastructure to handle increased rainfall intensity and reduce the risk of flash flooding.

Est. cost: Medium

Learn more

Implement a heatwave management plan

Immediate

Develop a plan to protect vulnerable populations during heatwaves, including establishing cooling centers and providing public awareness campaigns.

Est. cost: Low

Learn more

Protect coastal ecosystems

Long-term

Implement measures to protect and restore coastal ecosystems, such as dunes and mangroves, to provide natural buffers against erosion and storm surges.

Est. cost: High

Learn more

Raise awareness of climate risks

Immediate

Educate residents about the risks of climate change and provide guidance on how to prepare for and respond to extreme weather events.

Est. cost: Low

Learn more

Promote water conservation

Near-term

Encourage residents to conserve water to reduce strain on water resources during periods of drought and heat.

Est. cost: Low

Learn more

About Towradgi's Climate Risk Profile

Towradgi, a suburb of Wollongong, is situated along the New South Wales coastline and is vulnerable to a range of climate-related hazards. The suburb's low-lying topography and proximity to the ocean and waterways make it susceptible to flooding from heavy rainfall and storm surges. Rising sea levels and increased storm intensity are expected to exacerbate these risks in the future.

Heatwaves are another significant concern for Towradgi. As global temperatures continue to rise, the suburb is likely to experience more frequent and intense heat events, posing a threat to public health, particularly for elderly and vulnerable residents. The urban environment can also contribute to the urban heat island effect, further amplifying temperatures.

Coastal erosion and inundation are also potential threats to Towradgi's coastline. Sea level rise can lead to the loss of beaches and damage to coastal infrastructure. Storm surges can cause flooding and erosion, impacting properties and ecosystems along the coast.

While bushfire risk is relatively lower compared to other parts of NSW, areas bordering bushland still need to be vigilant during dry and windy conditions. Implementing appropriate bushfire safety measures is essential to protect properties and lives.

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 change risks in Towradgi?

The main climate change risks in Towradgi are flooding, heatwaves, and coastal hazards such as sea level rise and storm surges.

How will climate change affect property values in Towradgi?

Properties in high-risk areas may experience price reductions due to increased vulnerability to climate hazards.

What can I do to prepare for heatwaves in Towradgi?

Stay indoors during the hottest part of the day, drink plenty of water, and check on vulnerable neighbors and family members.

Where can I find information about flood risks in Towradgi?

You can find flood maps and information on the Wollongong City Council website.

What is Wollongong City Council doing to address climate change?

Wollongong City Council has a climate strategy that outlines actions to reduce greenhouse gas emissions and adapt to the impacts of climate change.

Is my property in Towradgi at risk from bushfire?

Some areas of Towradgi are considered bushfire prone. Check with Wollongong City Council for specific designations and prepare your property accordingly.

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 Towradgi, use our analysis tool.

Check Your flood Risk Now

Check Towradgi's specific flood risk and see how it compares to nearby suburbs. Enter your address for an instant risk assessment.

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 Profile for Towradgi, NSW | ClimateNest