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

Sackville North

Hawkesbury

High
72

Sackville North faces significant climate risks, particularly from flooding and heatwaves.

Sackville

UNKNOWN

Medium
58

Sackville is a suburb in New South Wales that faces moderate climate risks, primarily from flooding and heatwaves.

Sadleir

Liverpool

Medium
58

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

Safety Beach

Bellingen

Medium
58

Safety Beach, NSW, faces increasing risks from climate change, particularly from flooding, heatwaves, and coastal erosion.

San Remo

Central Coast

Medium
58

San Remo is a suburb on the Central Coast of NSW that faces moderate risks from flooding, bushfires, heatwaves, and coastal hazards.

Sancrox

UNKNOWN

Medium
58

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

Sanctuary Point

Shoalhaven

Medium
58

Sanctuary Point faces increasing risks from climate change, particularly from flooding, heatwaves, and coastal hazards.

Sandbar

UNKNOWN

Medium
58

Sandbar is a suburb in New South Wales that faces moderate climate risks, particularly from flooding, heatwaves and coastal hazards.

Sandgate

City of Newcastle

Medium
58

Sandgate, NSW, faces increasing risks from flooding, heatwaves, and coastal hazards due to climate change.

Sandy Beach

UNKNOWN

Medium
58

Sandy Beach, NSW, faces increasing climate risks, particularly from flooding, heatwaves, and coastal erosion.

Sandy Crossing

UNKNOWN

Medium
58

Sandy Crossing faces increasing risks from climate change, particularly related to heatwaves and flooding.

Sandy Point

UNKNOWN

Medium
58

Sandy Point faces moderate climate risks, primarily from flooding and heatwaves.

Sapphire Beach

Coffs Harbour

Medium
58

Sapphire Beach faces increasing risks from climate change, particularly related to flooding, heatwaves, and coastal erosion.

Saratoga

Central Coast

Medium
58

Saratoga is a suburb on the Central Coast of NSW that faces moderate risks from climate change.

Ryan

UNKNOWN

Medium
55

Ryan, NSW, faces increasing risks from bushfires and heatwaves.

Rydalmere

Parramatta

Medium
55

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

Ryde

City of Ryde

Medium
55

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

Rylstone

Mid-Western Regional

Medium
55

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

Salamander Bay

Port Stephens

Medium
55

Salamander Bay faces increasing climate risks, particularly from flooding, heatwaves, and coastal hazards.

Salisbury

UNKNOWN

Medium
55

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

Saltwater

UNKNOWN

Medium
55

Saltwater, NSW, faces increasing climate risks, particularly from heatwaves and flooding.

Sandilands

UNKNOWN

Medium
55

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

Sandon

UNKNOWN

Medium
55

Sandon, NSW, faces increasing climate risks, particularly from heatwaves and flooding.

Sandringham

UNKNOWN

Medium
55

Sandringham, NSW, faces a medium overall climate risk.

Sandy Creek

UNKNOWN

Medium
55

Sandy Creek faces moderate climate risks, primarily from flooding, bushfires, and heatwaves.

Sandy Flat

UNKNOWN

Medium
55

Sandy Flat is a suburb in New South Wales that faces moderate climate risks.

Sandy Gully

UNKNOWN

Medium
55

Sandy Gully faces moderate risks from flooding, bushfires, and heatwaves, which are projected to increase with climate change.

Sandy Hollow

UNKNOWN

Medium
55

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

Sanger

UNKNOWN

Medium
55

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

Sans Souci

Bayside

Medium
55

Sans Souci is a coastal suburb in NSW that faces increasing risks from flooding, heatwaves, and coastal erosion due to climate change.

Sapphire

UNKNOWN

Medium
55

Sapphire, NSW, faces moderate climate risks.

Saumarez

UNKNOWN

Medium
55

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

Rydal

Lithgow

Medium
52

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

Rye Park

Hilltops

Medium
52

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

Ryhope

City of Lake Macquarie

Medium
52

Ryhope is a suburb in the City of Lake Macquarie, NSW, facing increasing climate risks.

Saddleback Mountain

UNKNOWN

Medium
52

Saddleback Mountain faces moderate risks from flooding, bushfires, and heatwaves.

Salisbury Plains

UNKNOWN

Medium
52

Salisbury Plains faces moderate risks from flooding, bushfires, and heatwaves.

Sallys Flat

UNKNOWN

Medium
52

Sallys Flat faces moderate climate risks, primarily from flooding and bushfires.

Salt Ash

Port Stephens

Medium
52

Salt Ash is a suburb in the Port Stephens region of New South Wales, facing increasing climate risks.

San Isidore

City of Wagga Wagga

Medium
52

San Isidore faces moderate risks from flooding and heatwaves, which are projected to increase with climate change.

Sandigo

UNKNOWN

Medium
52

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

Sandy Hill

UNKNOWN

Medium
52

Sandy Hill, NSW, faces increasing risks from bushfires, floods and heatwaves.

Sassafras

UNKNOWN

Medium
52

Sassafras, NSW, faces moderate climate risks, primarily from bushfires, flooding and heatwaves.

Saumarez Ponds

UNKNOWN

Medium
52

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

Rye Park

Moderate

Assessment in progress

Sackville

Moderate

Assessment in progress

Sackville North

Moderate

Assessment in progress

Safety Beach

Moderate

Assessment in progress

Salisbury

Moderate

Assessment in progress

Sallys Flat

Moderate

Assessment in progress

Saltwater

Moderate

Assessment in progress

Sancrox

Moderate

Assessment in progress

Sandbar

Moderate

Assessment in progress

Sandon

Moderate

Assessment in progress

Sandy Beach

Moderate

Assessment in progress

Sandy Crossing

Moderate

Assessment in progress

Sanger

Moderate

Assessment in progress

Sapphire

Moderate

Assessment in progress

Sapphire Beach

Moderate

Assessment in progress

Saratoga

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