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

Tirrannaville

UNKNOWN

High
72

Tirrannaville faces increasing risks from bushfires, floods, and heatwaves due to climate change.

Titaatee Creek

UNKNOWN

High
72

Titaatee Creek faces significant climate risks, particularly from bushfires and flooding.

Tombong

UNKNOWN

High
72

Tombong faces significant climate risks, particularly from bushfires and flooding.

Tomboye

UNKNOWN

High
72

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

Tonderburine

UNKNOWN

High
72

Tonderburine faces significant risks from bushfires and heatwaves, with increasing flood risk due to climate change.

Toonumbar

UNKNOWN

High
72

Toonumbar faces significant risks from flooding and bushfires, which are expected to worsen with climate change.

Tootool

UNKNOWN

High
72

Tootool, NSW, faces significant climate risks, particularly from bushfires and flooding.

Tiona

UNKNOWN

Medium
58

Tiona faces a moderate overall climate risk, with heat and flood posing the most significant threats.

Tomakin

Eurobodalla

Medium
58

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

Tomerong

Shoalhaven

Medium
58

Tomerong, NSW, faces increasing climate risks, particularly from bushfires and floods.

Tomki

UNKNOWN

Medium
58

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

Toongabbie

Parramatta

Medium
58

Toongabbie is a suburb in Western Sydney that faces moderate climate risks, primarily from flooding and heatwaves.

Toongi

UNKNOWN

Medium
58

Toongi faces increasing risks from bushfires and heatwaves due to climate change.

Toowoon Bay

Central Coast

Medium
58

Toowoon Bay faces a moderate climate risk profile, with increasing threats from flooding, heatwaves, and coastal hazards.

Tipperary

UNKNOWN

Medium
55

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

Tiri

UNKNOWN

Medium
55

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

Tocal

UNKNOWN

Medium
55

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

Tocumwal

UNKNOWN

Medium
55

Tocumwal faces moderate risks from flooding and bushfires, with a significant heat risk during summer.

Tolwong

UNKNOWN

Medium
55

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

Tomago

Port Stephens

Medium
55

Tomago faces a medium overall climate risk.

Tomewin

UNKNOWN

Medium
55

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

Tomingley

UNKNOWN

Medium
55

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

Toms Creek

UNKNOWN

Medium
55

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

Toogong

Cabonne

Medium
55

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

Tooleybuc

Murray River

Medium
55

Tooleybuc is a rural town in NSW that faces moderate climate risks, primarily from flooding and heatwaves.

Tooloon

UNKNOWN

Medium
55

Tooloon faces increasing risks from heatwaves and bushfires due to climate change.

Tooma

Snowy Valleys

Medium
55

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

Tooraweenah

UNKNOWN

Medium
55

Tooraweenah faces increasing risks from bushfires and heatwaves.

Toormina

UNKNOWN

Medium
55

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

Toorooka

UNKNOWN

Medium
55

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

Toothdale

UNKNOWN

Medium
55

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

Toronto

UNKNOWN

Medium
55

Toronto, NSW, faces increasing climate risks, particularly from flooding, heatwaves, and rising lake levels.

Tolland

City of Wagga Wagga

Medium
52

Tolland is a suburb in Wagga Wagga, NSW, facing moderate risks from flooding, bushfires, and heatwaves.

Tomalla

UNKNOWN

Medium
52

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

Tongarra

Shellharbour

Medium
52

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

Toolijooa

UNKNOWN

Medium
52

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

Tooloom

UNKNOWN

Medium
52

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

Tooranie

Medium
52

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

Topi Topi

UNKNOWN

Medium
52

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

Tiona

Moderate

Assessment in progress

Tipperary

Moderate

Assessment in progress

Tiri

Moderate

Assessment in progress

Tirrannaville

Moderate

Assessment in progress

Titaatee Creek

Moderate

Assessment in progress

Tocal

Moderate

Assessment in progress

Tocumwal

Moderate

Assessment in progress

Tomakin

Moderate

Assessment in progress

Tomalla

Moderate

Assessment in progress

Tombong

Moderate

Assessment in progress

Tomki

Moderate

Assessment in progress

Toms Creek

Moderate

Assessment in progress

Tonderburine

Moderate

Assessment in progress

Toogong

Moderate

Assessment in progress

Tooloon

Moderate

Assessment in progress

Toongabbie

Moderate

Assessment in progress

Toongi

Moderate

Assessment in progress

Tooraweenah

Moderate

Assessment in progress

Toormina

Moderate

Assessment in progress

Toothdale

Moderate

Assessment in progress

Topi Topi

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