Flood Risk in Upper Manilla, NSW: 2026 Assessment

Upper Manilla, New South Wales· UNKNOWN
Upper Manilla 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.Updated 26 May 2026

Is Upper Manilla Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Upper Manilla, 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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Flood Risk Score

Not assessed

Upper Manilla 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 Facts

Flood Risk
Upper Manilla 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.
Trend
increasing
Suburb
Upper Manilla, NSW
Overall Risk
Medium
Postcode
2346

Flood Risk Analysis

Upper Manilla, 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.

Local council has flood management plans in place, but increased rainfall intensity may overwhelm existing infrastructure.

Upper Manilla 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.

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.

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

Local Hazard Evidence

Nearest WaterwayManilla River
Elevation Range300-350m
Flood Zone ClassificationAreas near the Manilla River are prone to flooding.

Historical Events

2011
Moderate

Significant flooding along the Manilla River affected homes and businesses.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Upgrade drainage infrastructure and implement flood barriers to protect properties from increased flood risk.

Est. cost: Medium

Develop a Heat Action Plan

Immediate

Implement a community heat action plan to protect vulnerable residents during heatwaves, including cooling centers and public awareness campaigns.

Est. cost: Low

Enhance Bushfire Preparedness

Near-term

Provide residents with resources and training to prepare for bushfires, including creating firebreaks and developing evacuation plans.

Est. cost: Low

Promote Water Conservation

Long-term

Encourage water conservation measures to mitigate the impacts of drought and water scarcity associated with climate change.

Est. cost: Low

Council & Emergency Services

Tamworth Regional Council
Emergency Services

Data last updated: 26 May 2026

Explore Upper Manilla Risk Reports

Frequently Asked Questions

Is Upper Manilla at risk of flooding?

Based on available data, Upper Manilla 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 Upper Manilla?

Insurance costs for flood cover in Upper Manilla 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 Upper Manilla?

Yes, flood risk can affect property values in Upper Manilla. 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 Upper Manilla?

Elevation is a critical factor in flood risk. Properties at higher elevations within Upper Manilla 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.

Is Upper Manilla Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Upper Manilla, 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