NSW6,505 suburbs assessed

Climate Risk in New South Wales Suburbs

NSW suburbs face combined flood, bushfire, and coastal erosion risks across a diverse geography — from flood-prone river systems in western Sydney to bushfire-interface suburbs in the Blue Mountains, Central Coast, and Sutherland Shire. Coastal suburbs face increasing storm surge and erosion risk under sea level rise projections.

FloodBushfireCoastal ErosionExtreme Heat

Macquarie Marshes

UNKNOWN

High
72

Macquarie Marshes faces significant climate risks, primarily from increased flooding and heatwaves.

Magometon

UNKNOWN

High
72

Magometon faces significant climate risks, particularly from bushfires and heatwaves.

Maitland Bar

UNKNOWN

High
72

Maitland Bar faces significant climate risks, particularly from flooding and heatwaves.

Loxford

UNKNOWN

Medium
58

Loxford faces moderate risks from flooding and heatwaves, which are expected to increase with climate change.

Lucknow

UNKNOWN

Medium
58

Lucknow, NSW, faces increasing risks from flooding and heatwaves due to climate change.

Lurnea

Liverpool

Medium
58

Lurnea faces moderate risks from flooding, bushfires, and heatwaves.

Luskintyre

UNKNOWN

Medium
58

Luskintyre faces moderate climate risks, primarily from flooding and heatwaves.

Lynwood

UNKNOWN

Medium
58

Lynwood faces moderate risks from flooding and heatwaves, with bushfire risk also a concern.

Macksville

Nambucca Valley

Medium
58

Macksville is a town in New South Wales that faces moderate climate risks, primarily from flooding, bushfires, heatwaves and coastal hazards.

Macleay Island

UNKNOWN

Medium
58

Macleay Island faces a moderate climate risk, primarily from flooding, heatwaves, and coastal erosion.

Macmasters Beach

Central Coast

Medium
58

Macmasters Beach faces a medium overall climate risk.

Macquarie Hills

Lake Macquarie

Medium
58

Macquarie Hills faces moderate risks from flooding and heatwaves, with bushfire risk also present.

Macquarie Pass

Wingecarribee Shire Council

Medium
58

Macquarie Pass faces moderate climate risks, primarily from flooding and bushfires.

Maffra

UNKNOWN

Medium
58

Maffra, NSW, faces increasing risks from flooding and heatwaves due to climate change.

Maianbar

Sutherland Shire

Medium
58

Maianbar is a suburb in New South Wales that faces several climate-related risks.

Main Arm

UNKNOWN

Medium
58

Main Arm is a suburb in New South Wales that faces moderate climate risks, primarily from flooding and bushfires.

Main Creek

UNKNOWN

Medium
58

Main Creek faces moderate risks from flooding and heatwaves, with bushfire risk also present.

Mairjimmy

UNKNOWN

Medium
58

Mairjimmy faces moderate climate risks, primarily from flooding and heatwaves.

Maitland

UNKNOWN

Medium
58

Maitland faces significant climate risks, particularly from flooding and heatwaves.

Maitland Vale

UNKNOWN

Medium
58

Maitland Vale faces notable climate risks, primarily from flooding and heatwaves.

Malabar

UNKNOWN

Medium
58

Malabar is a coastal suburb in Sydney facing moderate climate risks.

Mallabula

UNKNOWN

Medium
58

Mallabula faces a moderate climate risk profile, with the most significant threats stemming from heatwaves and flooding.

Lowesdale

UNKNOWN

Medium
55

Lowesdale faces increasing risks from heatwaves and flooding due to climate change.

Lowther

Lithgow

Medium
55

Lowther is a suburb in New South Wales that faces moderate climate risks, particularly from bushfires and flooding.

Lue

UNKNOWN

Medium
55

Lue faces moderate climate risks, particularly from bushfires and flooding.

Lugarno

UNKNOWN

Medium
55

Lugarno is a suburb in New South Wales that faces moderate risks from flooding, bushfires, heatwaves, and coastal hazards.

Maclean

Clarence Valley

Medium
55

Maclean faces moderate climate risks, primarily related to flooding, heatwaves, and bushfires.

Macquarie Links

Campbelltown

Medium
55

Macquarie Links faces moderate risks from flooding and heatwaves, with bushfire risk also present.

Macquarie Park

City of Ryde

Medium
55

Macquarie Park faces moderate climate risks, primarily from flooding and heatwaves.

Maddens Plains

Wollongong

Medium
55

Maddens Plains faces moderate climate risks, primarily from flooding and bushfires.

Majors Creek

UNKNOWN

Medium
55

Majors Creek faces increasing risks from bushfires and floods due to climate change.

Mallanganee

UNKNOWN

Medium
55

Mallanganee faces moderate climate risks, primarily from flooding and bushfires.

Mallee

Unincorporated NSW

Medium
55

Mallee, NSW, faces increasing risks from bushfires and heatwaves due to climate change.

Lucas Heights

Sutherland Shire

Medium
52

Lucas Heights faces moderate risks from flooding and heatwaves, and a high risk from bushfires.

Luddenham

Penrith

Medium
52

Luddenham faces moderate risks from flooding, bushfires, and heatwaves, which are expected to increase with climate change.

Lynchs Creek

UNKNOWN

Medium
52

Lynchs Creek faces moderate risks from flooding, bushfires, and heatwaves, which are expected to worsen with climate change.

Lyndhurst

UNKNOWN

Medium
52

Lyndhurst faces moderate risks from flooding and heatwaves, with bushfire risk also present.

Mabins Well

UNKNOWN

Medium
52

Mabins Well faces moderate risks from flooding, bushfires, and heatwaves, with coastal risks being minimal due to its inland location.

Macdonalds Creek

UNKNOWN

Medium
52

Macdonalds Creek faces increasing risks from flooding and heatwaves due to climate change.

Macquarie Fields

Campbelltown

Medium
52

Macquarie Fields faces moderate risks from flooding and heatwaves, with bushfire risk also a concern.

Magenta

Central Coast

Medium
52

Magenta is a suburb on the Central Coast of New South Wales that faces moderate risks from flooding, bushfires, heatwaves, and coastal hazards.

Maimuru

Hilltops

Medium
52

Maimuru faces moderate climate risks, primarily from flooding and heatwaves.

Maison Dieu

UNKNOWN

Medium
52

Maison Dieu faces moderate risks from flooding, bushfires, and heatwaves, which are expected to increase with climate change.

Maldon

Oberon

Medium
52

Maldon, NSW, faces increasing risks from bushfires, heatwaves and flooding due to climate change.

Mallan

Mid-Western Regional

Medium
52

Mallan faces increasing risks from flooding and heatwaves due to climate change.

Loxford

Moderate

Assessment in progress

Lugarno

Moderate

Assessment in progress

Lyndhurst

Moderate

Assessment in progress

Lynwood

Moderate

Assessment in progress

Mabins Well

Moderate

Assessment in progress

Maclean

Moderate

Assessment in progress

Macmasters Beach

Moderate

Assessment in progress

Macquarie Fields

Moderate

Assessment in progress

Macquarie Links

Moderate

Assessment in progress

Macquarie Marshes

Moderate

Assessment in progress

Maffra

Moderate

Assessment in progress

Magometon

Moderate

Assessment in progress

Main Arm

Moderate

Assessment in progress

Main Creek

Moderate

Assessment in progress

Mairjimmy

Moderate

Assessment in progress

About Climate Risk in New South Wales

NSW suburbs face combined flood, bushfire, and coastal erosion risks across a diverse geography — from flood-prone river systems in western Sydney to bushfire-interface suburbs in the Blue Mountains, Central Coast, and Sutherland Shire. Coastal suburbs face increasing storm surge and erosion risk under sea level rise projections.

ClimateNest suburb assessments are built using Bureau of Meteorology (BOM) historical hazard data, CSIRO future climate projections under SSP2-4.5 and RCP8.5 scenarios, state-specific hazard overlays from emergency services and planning authorities, and actuarial data. Every assessment includes current hazard scores (0–100), projected scores for 2030 and 2050, local geographic evidence, insurance outlook, and property owner recommendations.

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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