Is Clearfield, NSW Climate Safe? 2026 Assessment
Climate Safety Score
7.2/10Climate risk is high — address assessment recommended
Key Facts
- Climate Safety
- High
- Flood
- Clearfield faces a significant flood risk due to its proximity to the Hawkesbury River and low-lying areas. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating this risk.
- Bushfire
- Clearfield has a moderate bushfire risk due to surrounding bushland. Hotter, drier conditions driven by climate change are projected to increase the likelihood and severity of bushfires.
- Heat
- Clearfield is likely to experience more frequent and intense heatwaves as a result of climate change. This poses a risk to vulnerable populations, such as the elderly and those with chronic health conditions.
- Storm
- Moderate storm risk — East Coast Lows bring severe weather including hail and damaging winds
- Postcode
- 2469
- Region
- Coastal NSW
- Median property value
- $925,000
- Dominant hazard
- extreme heat (5/10)
- Highest high-risk exposure
- 17.7% of land (bushfire)
Climate Safety Analysis
Clearfield in New South Wales has an overall climate safety rating of High. This multi-hazard assessment combines flood, bushfire, heat, coastal, and storm risk data with climate projections to 2050 from CSIRO and the Bureau of Meteorology.
Key factors affecting Clearfield's climate safety include heat, flood, bushfire. Each hazard is assessed independently and combined for an overall picture. Australia has warmed by approximately 1.5 °C since 1910, with flow-on effects to fire weather, extreme rainfall, and heatwave frequency.
Climate safety for property in Clearfield is not uniform — it varies by address. Factors such as elevation, distance to waterways, proximity to bushland, and local drainage all influence actual risk at a specific property. Two nearby properties can have materially different risk profiles.
For a complete property-specific climate safety report for Clearfield including address-level hazard mapping, insurance outlook, and adaptation recommendations, use the ClimateNest full analysis tool.
Clearfield located in Coastal NSW (postcode 2469), is a New South Wales suburb tracked by ClimateNest. The suburb's median property value is $925,000, and understanding climate exposure is becoming a standard part of due diligence for buyers, lenders and insurers pricing property in Clearfield.
Across the six hazard axes ClimateNest models, the dominant climate risk in Clearfield is extreme heat (score 5/10), with moderate exposure. Insurance signals for the suburb point to premiums rising moderately (+30% by 2030). These suburb-level signals help prioritise which properties need the closest look — the actual risk of any single home can only be confirmed with an address-level report.
Whether you are buying, selling or renovating in Clearfield, extreme heat is the hazard to weigh first. Local council planning controls, state hazard mapping and lender climate policies each reference this kind of suburb-level signal, and property decisions in Clearfield are increasingly made with an address-level climate report in hand.
Local Hazard Evidence
Historical Events
Severe flooding of the Hawkesbury River inundated parts of Clearfield, causing significant damage to homes and businesses.
Bushfires in the surrounding area threatened Clearfield, leading to evacuations and property damage.
Flooding of the Hawkesbury River affected low-lying areas of Clearfield.
Major flooding event impacted Clearfield, causing widespread damage and displacement.
Adaptation & Mitigation Actions
Improve Flood Defenses
ImmediateInvest in levees, drainage improvements, and flood-proofing measures to protect homes and businesses from flooding.
Est. cost: High
Enhance Bushfire Preparedness
Near-termImplement bushfire prevention strategies, such as vegetation management and community education programs.
Est. cost: Medium
Develop Heatwave Response Plan
Near-termEstablish cooling centers, provide public health advice, and support vulnerable populations during heatwaves.
Est. cost: Low
Promote Water Conservation
Long-termEncourage water-efficient practices to reduce demand on water resources during droughts and heatwaves.
Est. cost: Low
Council & Emergency Services
Explore Clearfield Risk Reports
View other climate risk assessments for Clearfield:
Frequently Asked Questions
Is Clearfield safe from climate change?
No location in Australia is entirely immune to climate change impacts. Clearfield has an overall High climate risk rating. Understanding the specific hazards at your property address — not just the suburb average — provides the most reliable risk picture.
Which climate hazard poses the biggest risk in Clearfield?
The dominant hazard for Clearfield depends on geography and local environment. Proximity to waterways elevates flood risk, while proximity to bushland increases bushfire risk. ClimateNest's multi-hazard analysis identifies the highest-risk hazards for any specific address.
How does Clearfield compare to nearby suburbs for climate safety?
Nearby suburbs may have different climate risk profiles depending on elevation, vegetation cover, drainage patterns, and land use. ClimateNest allows comparison of climate safety scores across New South Wales suburbs.
Should I be concerned about buying property in Clearfield?
Climate risk should be one factor in your decision, alongside price, location, and amenity. An informed buyer understands the specific risks at a property address and factors insurance costs and climate projections into their assessment of long-term value.
What climate projections should I know for Clearfield?
Key projections for New South Wales from CSIRO include increased average temperatures, more frequent hot days, changes in rainfall seasonality, longer fire seasons, and potential increases in extreme rainfall intensity. These trends inform the long-term outlook for Clearfield.
What are the main climate risks in Clearfield?
ClimateNest's suburb model rates Clearfield's dominant climate risk as extreme heat at 5/10 on a 0–10 index, followed by damaging wind (5/10) and severe storm (5/10). These are suburb-level averages — an address-level report is needed to confirm the risk of a specific property in Clearfield.
What share of Clearfield is exposed to high bushfire risk?
ClimateNest's hazard overlay maps 17.7% of Clearfield in high-risk zones for bushfire, with a further 58.6% in moderate-risk zones. Suburb-level exposure is not uniform — individual properties can differ from these averages, so an address-level check is recommended.
Is Clearfield Safe from Climate Risk?
Enter your address below for an instant climate risk assessment for Clearfield, New South Wales, covering flood, bushfire, sea level rise and more.
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*Industry sources: ICA, APRA, RBA
Full report from A$69 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections