Climate Risk Profile: Congarinni North, NSW

Congarinni North, New South Wales
Medium Risk
Updated May 2026

Congarinni North faces moderate risks from flooding, bushfires, and heatwaves. Climate change is expected to exacerbate these risks, particularly increasing the frequency and intensity of heatwaves and flooding events. Residents should prepare for these potential impacts.

Overall Risk Score

52/100
Medium

Confidence: Medium

Hazard Breakdown

Flood
6.5
Bushfire
4.0
Heat
6.0
Coastal
1.0

Climate Hazard Breakdown for Congarinni North

increasing

Flood

65/100

The area has a moderate risk of flooding, with potential for riverine and flash flooding during heavy rainfall events.

Key drivers:

  • ·Increased rainfall intensity
  • ·Urban development
increasing

Bushfire

40/100

The area has a moderate risk of bushfire due to proximity to bushland and prevailing weather conditions.

Key drivers:

  • ·Dry vegetation
  • ·High temperatures
increasing

Heat

60/100

The area is likely to experience more frequent and intense heatwaves, posing a risk to vulnerable populations.

Key drivers:

  • ·Climate change
  • ·Urban heat island effect
stable

Coastal

10/100

Congarinni North is not exposed to coastal risks.

stable

Wind

28/100

Moderate wind risk — East Coast Lows and gust fronts

stable

Storm

39/100

Moderate storm risk — severe thunderstorms and hail

stable

Social

21/100

Moderate social stability — mixed urban density

increasing

Energy

35/100

Moderate energy costs — climate-driven cooling demand

In-Depth Climate Risk Guides for Congarinni North

Detailed Hazard Analysis

heat Risk

60/100

The area is likely to experience more frequent and intense heatwaves, posing a risk to vulnerable populations.

Primary Drivers

  • ·Climate change
  • ·Urban heat island effect

Projections (RCP8.5)

2030

6.5

2050

7.0

Data source

flood Risk

65/100

The area has a moderate risk of flooding, with potential for riverine and flash flooding during heavy rainfall events.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Urban development
  • ·Climate change

Projections (RCP8.5)

2030

7.0

2050

7.5

Data source

coastal Risk

10/100

Congarinni North is not exposed to coastal risks.

Projections (RCP8.5)

2030

1.0

2050

1.0

Data source

bushfire Risk

40/100

The area has a moderate risk of bushfire due to proximity to bushland and prevailing weather conditions.

Primary Drivers

  • ·Dry vegetation
  • ·High temperatures
  • ·Strong winds

Projections (RCP8.5)

2030

4.5

2050

5.0

Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums are likely to increase due to the rising risks of flooding, bushfires, and heatwaves.

Price Impact

Properties in high-risk areas may experience a decrease in value due to climate-related concerns.

Buyer Checklist

  • 1.Check flood maps and bushfire prone area designations.
  • 2.Assess the property's vulnerability to heatwaves.
  • 3.Review insurance options and potential premium increases.
  • 4.Consider the long-term climate risks when making a purchase decision.

Local Climate Evidence

Flood Evidence

Nearest Waterway
Unnamed Creek
Elevation Range
50-70m
Flood Zone
Low to Moderate Risk

Local drainage infrastructure may be inadequate to handle extreme rainfall events.

View council flood map

Bushfire Evidence

Distance to Bushland
Adjacent
Planning Overlay
RFS Bush Fire Prone Land
Bushfire Prone Area
Yes

The area is designated as bushfire prone, requiring specific building standards for new constructions.

Heat Evidence

Avg January Max Temp
32.5°C
Heat Stress Days/Year
3 days

Urban areas within Congarinni North experience higher temperatures due to the urban heat island effect.

Coastal Evidence

Distance to Coast
150 km
Sea Level Rise Exposure
Not Applicable
Erosion Risk
Not Applicable

Historical Climate Events

2011
floodModerate

Major flooding event impacted the region, causing property damage and road closures.

Source
2013
bushfireModerate

Bushfires threatened the area, requiring evacuations and property protection measures.

Source
2017
heatwaveMajor

Prolonged heatwave with record-breaking temperatures impacted the region, causing heat stress and health concerns.

Source
2020
bushfireMajor

Widespread bushfires affected the region, leading to significant property loss and environmental damage.

Source
2022
floodModerate

Heavy rainfall caused flash flooding in low-lying areas, disrupting traffic and damaging infrastructure.

Source

Climate Outlook to 2050

Projections based on CSIRO and BOM climate modelling. Scenario: RCP4.5

HazardToday20302050
flood656.9(+0.4)7.5(+1.0)
bushfire404.2(+0.2)4.5(+0.5)
heat606.5(+0.5)7.5(+1.5)
coastal101.01.0

Under a moderate emissions scenario, Congarinni North is projected to experience a slight increase in overall climate risk, primarily driven by increased flooding and heatwave intensity.

CSIRO Climate Projections

Adaptation Recommendations

Improve Drainage Infrastructure

Near-term

Upgrade local drainage systems to handle increased rainfall intensity and reduce the risk of flash flooding.

Est. cost: Medium

Learn more

Implement Bushfire Management Plan

Immediate

Develop and implement a comprehensive bushfire management plan, including vegetation management and community education programs.

Est. cost: Medium

Learn more

Establish Heatwave Early Warning System

Near-term

Create a heatwave early warning system to alert vulnerable populations and provide guidance on staying safe during extreme heat events.

Est. cost: Low

Learn more

Promote Water Conservation

Long-term

Encourage water conservation measures to reduce water stress during prolonged dry periods and heatwaves.

Est. cost: Low

Learn more

Community Education Programs

Near-term

Conduct regular community education programs on climate risks and adaptation measures.

Est. cost: Low

Learn more

About Congarinni North's Climate Risk Profile

Congarinni North, located in New South Wales, is subject to a range of climate-related risks. The primary concerns are flooding, bushfires, and heatwaves, all of which are projected to worsen with climate change.

Flooding is a significant concern due to increased rainfall intensity and potential for both riverine and flash flooding. The risk is further amplified by urban development, which reduces natural drainage and increases runoff. Residents should be aware of flood warnings and have evacuation plans in place.

Bushfire risk is also present, driven by dry vegetation, high temperatures, and strong winds. The proximity to bushland increases the likelihood of fire impacting the area, especially during the bushfire season. Regular property maintenance and awareness of fire safety guidelines are crucial.

Heatwaves are becoming more frequent and intense, posing a significant risk to vulnerable populations, including the elderly and those with pre-existing health conditions. The urban heat island effect can further exacerbate these conditions. Staying hydrated, seeking cool environments, and checking on neighbors are important measures to mitigate the impact of heatwaves.

While Congarinni North is not directly exposed to coastal risks, the broader impacts of climate change, such as extreme weather events, can still affect the community. Preparing for these events and taking proactive adaptation measures is essential for building resilience.

Data sources: BOM · CSIRO · NSW RFS · NSW SES

Local Government Resources

Frequently Asked Questions

What are the main climate risks facing Congarinni North?

The main climate risks include flooding, bushfires, and heatwaves, all of which are projected to worsen with climate change.

How can I prepare my property for flooding?

Ensure your property has adequate drainage, clear gutters and downpipes, and consider installing flood barriers if necessary. Stay informed about flood warnings and have an evacuation plan in place.

What should I do during a heatwave?

Stay hydrated, seek cool environments, avoid strenuous activities, and check on vulnerable neighbors. Be aware of the symptoms of heat stress and seek medical attention if needed.

How can I protect my home from bushfires?

Maintain your property by clearing vegetation around your home, cleaning gutters, and having a bushfire survival plan. Stay informed about fire danger ratings and evacuation warnings.

Where can I find more information about climate change impacts in Congarinni North?

Consult the local council's website, the Bureau of Meteorology, and the CSIRO for the latest climate projections and adaptation strategies.

Is Congarinni North likely to experience more extreme weather events in the future?

Yes, climate projections indicate an increase in the frequency and intensity of extreme weather events, including heatwaves, floods, and bushfires.

Get your property's risk report

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What A$69 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$69 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections