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

The Bight

UNKNOWN

High
72

The Bight, NSW, faces significant climate risks, particularly from bushfires, heatwaves, and coastal hazards.

The Devils Wilderness

UNKNOWN

High
72

The Devils Wilderness faces significant climate risks, particularly from bushfires and flooding.

The Pilliga

UNKNOWN

High
72

The Pilliga faces significant climate risks, particularly from bushfires and heatwaves.

Termeil

UNKNOWN

Medium
58

Termeil faces a moderate overall climate risk, with bushfire and flood risks being the most significant concerns.

Terrace Creek

UNKNOWN

Medium
58

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

Terranora

Tweed Shire

Medium
58

Terranora faces a medium overall climate risk.

Terrey Hills

UNKNOWN

Medium
58

Terrey Hills faces moderate risks from flooding, bushfires, and heatwaves, with coastal risks being minimal.

Terrigal

Central Coast

Medium
58

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

The Entrance North

Central Coast

Medium
58

The Entrance North faces moderate climate risks, particularly from flooding, heatwaves, and coastal hazards.

The Freshwater

Northern Beaches

Medium
58

The Freshwater faces moderate climate risks, particularly from flooding, heatwaves, and coastal hazards.

The Glen

UNKNOWN

Medium
58

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

The Hill

UNKNOWN

Medium
58

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

The Oaks

UNKNOWN

Medium
58

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

The Risk

UNKNOWN

Medium
58

The Risk faces moderate climate risks, primarily from flooding and heatwaves.

Terrabella

Central Coast

Medium
55

Terrabella faces moderate risks from flooding, bushfires, heatwaves, and coastal hazards.

Terramungamine

UNKNOWN

Medium
55

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

Terreel

UNKNOWN

Medium
55

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

Tewinga

UNKNOWN

Medium
55

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

Texas

UNKNOWN

Medium
55

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

The Angle

UNKNOWN

Medium
55

The Angle faces moderate climate risks, primarily from flooding and heatwaves.

The Branch

UNKNOWN

Medium
55

The Branch faces moderate climate risks, primarily from flooding and heatwaves.

The Brothers

UNKNOWN

Medium
55

The Brothers faces moderate climate risks, primarily from flooding and heatwaves.

The Channon

UNKNOWN

Medium
55

The Channon is a rural village in New South Wales that faces moderate climate risks, primarily from flooding and bushfires.

The Entrance

Central Coast

Medium
55

The Entrance faces notable risks from flooding, heatwaves, and coastal erosion due to its coastal location and changing climate.

The Gap

UNKNOWN

Medium
55

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

The Gulf

UNKNOWN

Medium
55

The Gulf, NSW, faces moderate climate risks, primarily from flooding and heatwaves.

The Hatch

UNKNOWN

Medium
55

The Hatch faces moderate climate risks, primarily from flooding and heatwaves.

The Junction

Newcastle

Medium
55

The Junction faces moderate climate risks, primarily related to heatwaves, flooding, and coastal hazards.

The Lagoon

UNKNOWN

Medium
55

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

The Marra

Cobar Shire Council

Medium
55

The Marra faces moderate climate risks, primarily from flooding and heatwaves.

The Meadows

UNKNOWN

Medium
55

The Meadows faces moderate climate risks, primarily from flooding and heatwaves.

The Pinnacles

UNKNOWN

Medium
55

The Pinnacles, NSW, faces moderate climate risks, primarily from bushfires and heatwaves.

The Pocket

UNKNOWN

Medium
55

The Pocket faces moderate climate risks, primarily from flooding and heatwaves.

Terragon

UNKNOWN

Medium
52

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

Terry Hie Hie

UNKNOWN

Medium
52

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

Teven

Ballina

Medium
52

Teven is a suburb in the Northern Rivers region of New South Wales, facing increasing climate risks.

Thalgarrah

UNKNOWN

Medium
52

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

Tharbogang

UNKNOWN

Medium
52

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

The Ponds

Blacktown

Medium
52

The Ponds is a suburb in Sydney's northwest, facing moderate risks from flooding and heatwaves.

The Ridgeway

UNKNOWN

Medium
52

The Ridgeway faces moderate climate risks, primarily from bushfires, heatwaves and flooding.

Terramungamine

Moderate

Assessment in progress

Terreel

Moderate

Assessment in progress

Terrigal

Moderate

Assessment in progress

Teven

Moderate

Assessment in progress

Texas

Moderate

Assessment in progress

Thalgarrah

Moderate

Assessment in progress

Tharbogang

Moderate

Assessment in progress

The Angle

Moderate

Assessment in progress

The Bight

Moderate

Assessment in progress

The Branch

Moderate

Assessment in progress

The Devils Wilderness

Moderate

Assessment in progress

The Freshwater

Moderate

Assessment in progress

The Gap

Moderate

Assessment in progress

The Gulf

Moderate

Assessment in progress

The Hatch

Moderate

Assessment in progress

The Lagoon

Moderate

Assessment in progress

The Marra

Moderate

Assessment in progress

The Pilliga

Moderate

Assessment in progress

The Pinnacles

Moderate

Assessment in progress

The Pocket

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