Flood Risk in Croom, NSW: 2026 Assessment

Croom, New South Wales· UNKNOWN
Croom faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.Updated 18 May 2026

Flood Risk Score

6.5/10

Croom faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.

Key Facts

Flood Risk
Croom faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.
Trend
increasing
Suburb
Croom, NSW
Overall Risk
Medium
Postcode
2527
Region
Coastal NSW
Median property value
$925,000
Dominant hazard
extreme heat (5/10)
Highest high-risk exposure
9.5% of land (riverine flood)

Flood Risk Analysis

Croom, located in New South Wales, has a notable flood risk profile based on available data including proximity to waterways, elevation, and historical flood events. The Bureau of Meteorology (BOM) maintains river height and flood warning data for catchments across New South Wales.

Historical flood data indicates that parts of Croom have experienced flooding in the past. Council flood maps provide detailed information on flood-prone areas.

Croom faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.

For a comprehensive property-specific flood assessment including address-level elevation data, flood overlay mapping, and insurance cost estimates, use the ClimateNest full analysis tool. General suburb data cannot replace a site-specific evaluation.

Croom sits within ClimateNest's suburb-level hazard model for flood risk. 9.5% of the suburb's land area is mapped in high-risk flood zones and 63.5% in moderate-risk zones, based on the national hazard overlay. Exposure at this scale varies street by street, which is why an address-level check matters before you buy or insure a specific property in Croom.

On ClimateNest's 0–10 suburb hazard index, Croom scores 4 for flood risk — a moderate exposure relative to the Australian suburb range. For comparison, properties in Croom can still sit well above or below this suburb average depending on elevation, distance to waterways or vegetation, and local drainage.

Croom located in Coastal NSW (postcode 2527), 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 Croom.

Across the six hazard axes ClimateNest models, the dominant climate risk in Croom 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 Croom, 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 Croom are increasingly made with an address-level climate report in hand.

Local Hazard Evidence

Nearest WaterwayMullet Creek
Elevation Range5-15 meters
Flood Zone ClassificationPartially within flood zone

Historical Events

2011
Moderate

Heavy rainfall caused flooding in parts of Croom, affecting some residential areas.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Invest in flood defenses such as levees, drainage improvements, and flood-proofing of buildings.

Est. cost: High

Reduce Bushfire Risk

Near-term

Implement bushfire risk reduction measures such as fuel reduction burns, vegetation management, and community education programs.

Est. cost: Medium

Manage Heatwave Impacts

Immediate

Develop and implement heatwave management plans, including public awareness campaigns, cooling centers, and support for vulnerable populations.

Est. cost: Low

Plan for Sea Level Rise

Long-term

Develop and implement plans to adapt to sea level rise, including coastal protection measures, land use planning, and infrastructure upgrades.

Est. cost: High

Council & Emergency Services

Shellharbour City Council
Emergency Services

Data last updated: 18 May 2026

Explore Croom Risk Reports

Frequently Asked Questions

Is Croom at risk of flooding?

Based on available data, Croom has a notable flood risk profile. Flood risk varies by address — check your specific property for precise flood zone mapping and elevation data with ClimateNest.

What flood insurance costs can I expect in Croom?

Insurance costs for flood cover in Croom depend on the property's flood zone classification, elevation, and proximity to waterways. ClimateNest provides address-level insurance cost estimates based on your property's specific hazard exposure.

Does flood risk affect property values in Croom?

Yes, flood risk can affect property values in Croom. Properties in mapped flood zones may experience lower buyer demand, reduced valuations, and higher insurance costs. Lenders increasingly assess flood exposure as part of mortgage risk evaluation.

How does elevation affect flood risk in Croom?

Elevation is a critical factor in flood risk. Properties at higher elevations within Croom typically have lower flood exposure than those near waterways or in low-lying areas. Address-level elevation data combined with BOM flood mapping provides the most accurate picture.

What are the main climate risks in Croom?

ClimateNest's suburb model rates Croom'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 Croom.

What share of Croom is exposed to high riverine flood risk?

ClimateNest's hazard overlay maps 9.5% of Croom in high-risk zones for riverine flood, with a further 63.5% 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 Croom Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Croom, New South Wales, covering flood, bushfire, sea level rise and more.

Free instant previewCSIRO-powered data

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