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

State Mine Gully

UNKNOWN

High
72

State Mine Gully faces significant climate risks, particularly from bushfires and flooding.

Stockton

City of Newcastle

High
72

Stockton faces significant climate change risks, particularly from flooding and coastal erosion.

St Andrews

Campbelltown

Medium
58

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

St Ives

Ku-ring-gai

Medium
58

St Ives faces moderate climate risks, primarily from flooding and bushfires.

St Johns Park

UNKNOWN

Medium
58

St Johns Park faces moderate risks from flooding and heatwaves, with bushfire risk also present.

St Marys

Penrith

Medium
58

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

Stanwell Park

Wollongong

Medium
58

Stanwell Park is a coastal suburb in New South Wales that faces increasing climate risks.

Stanwell Tops

Wollongong

Medium
58

Stanwell Tops is a suburb in New South Wales that faces moderate climate risks.

Steeple Flat

UNKNOWN

Medium
58

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

Stony Chute

UNKNOWN

Medium
58

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

St Albans

UNKNOWN

Medium
55

St Albans is a rural town in New South Wales, located near the Hawkesbury River.

St Clair

Penrith

Medium
55

St Clair is a suburb in New South Wales that faces moderate risks from flooding and heatwaves.

St George

UNKNOWN

Medium
55

St George faces a moderate climate risk profile, with the most significant threats stemming from heatwaves, flooding, and coastal hazards.

Stanborough

UNKNOWN

Medium
55

Stanborough faces moderate risks from bushfires and heatwaves, with potential flooding issues in some areas.

Stanhope Gardens

Blacktown

Medium
55

Stanhope Gardens faces moderate climate risks, primarily related to flooding and heatwaves.

Steam Plains

UNKNOWN

Medium
55

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

Stewarts Brook

UNKNOWN

Medium
55

Stewarts Brook faces moderate climate risks, primarily from flooding and bushfires.

Stockrington

UNKNOWN

Medium
55

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

Stonehenge

UNKNOWN

Medium
55

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

Stonequarry

UNKNOWN

Medium
55

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

Stotts Creek

UNKNOWN

Medium
55

Stotts Creek faces increasing climate risks, particularly from heatwaves and flooding.

Strathcedar

UNKNOWN

Medium
55

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

St Fillans

UNKNOWN

Medium
52

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

St Georges Basin

Shoalhaven

Medium
52

St Georges Basin faces increasing risks from climate change, particularly from flooding, bushfires, heatwaves, and coastal hazards.

St Helens Park

Campbelltown

Medium
52

St Helens Park faces moderate risks from flooding and heatwaves, with increasing bushfire risk.

St Huberts Island

Central Coast

Medium
52

St Huberts Island faces moderate climate risks, primarily from flooding and coastal hazards.

St Ives Chase

Ku-ring-gai

Medium
52

St Ives Chase is a suburb with moderate climate change risks, primarily from bushfires and flooding.

St Peters

Inner West

Medium
52

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

Stanbridge

UNKNOWN

Medium
52

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

Stanford Merthyr

UNKNOWN

Medium
52

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

Stanhope

UNKNOWN

Medium
52

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

Stanmore

Inner West

Medium
52

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

Stannifer

UNKNOWN

Medium
52

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

Stannum

UNKNOWN

Medium
52

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

Stewarts River

UNKNOWN

Medium
52

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

Stockinbingal

Cootamundra-Gundagai Regional Council

Medium
52

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

Stockyard Creek

UNKNOWN

Medium
52

Stockyard Creek, NSW, faces moderate climate risks.

Stokers Siding

Tweed Shire

Medium
52

Stokers Siding faces moderate climate risks, primarily from flooding and heatwaves.

Stony Creek

UNKNOWN

Medium
52

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

Stony Crossing

Unincorporated NSW

Medium
52

Stony Crossing faces moderate risks from flooding and heatwaves, with increasing bushfire risk.

Stratford

Mid-Coast Council

Medium
52

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

St Andrews

Moderate

Assessment in progress

St Helens Park

Moderate

Assessment in progress

St Huberts Island

Moderate

Assessment in progress

St Johns Park

Moderate

Assessment in progress

St Leonards

Unknown

Assessment in progress

Stanborough

Moderate

Assessment in progress

Stanford Merthyr

Moderate

Assessment in progress

Stanhope Gardens

Moderate

Assessment in progress

Stannifer

Moderate

Assessment in progress

Stannum

Moderate

Assessment in progress

Steeple Flat

Moderate

Assessment in progress

Stewarts River

Moderate

Assessment in progress

Stockinbingal

Moderate

Assessment in progress

Stockrington

Moderate

Assessment in progress

Stockyard Creek

Moderate

Assessment in progress

Stonehenge

Moderate

Assessment in progress

Stony Creek

Moderate

Assessment in progress

Stratford

Moderate

Assessment in progress

Strathcedar

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