๐Ÿ“ฎ Cudmirrah postcode: 2540

Bushfire Risk in Cudmirrah, NSW: 2026 Assessment

Cudmirrah, New South Walesยท Shoalhavenยท 2540
Cudmirrah has a moderate bushfire risk due to surrounding bushland. Hotter, drier conditions are projected to increase the frequency and intensity of bushfires.Updated 25 May 2026

Bushfire Risk Score

4.2/10

Cudmirrah has a moderate bushfire risk due to surrounding bushland. Hotter, drier conditions are projected to increase the frequency and intensity of bushfires.

Key Facts

Bushfire Risk
Cudmirrah has a moderate bushfire risk due to surrounding bushland. Hotter, drier conditions are projected to increase the frequency and intensity of bushfires.
Trend
increasing
Suburb
Cudmirrah, NSW
Overall Risk
Medium
Postcode
2540
Region
Regional NSW
Median property value
$550,000
Dominant hazard
extreme heat (6/10)
Highest high-risk exposure
11.4% of land (bushfire)

Bushfire Risk Analysis

Cudmirrah, New South Wales, has a cudmirrah has a moderate bushfire risk due to surrounding bushland. hotter, drier conditions are projected to increase the frequency and intensity of bushfires. bushfire risk profile. Key factors include distance to classified bushland, vegetation type, slope, and historical bushfire activity in the region. The New South Wales fire authority maps bushfire-prone areas and assigns BAL (Bushfire Attack Level) ratings.

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

CSIRO research indicates climate change is extending fire seasons and increasing the number of severe fire weather days across southern and eastern Australia. For Cudmirrah, this may mean shifts in bushfire risk levels over the coming decades, making property-level BAL assessment increasingly important.

Use ClimateNest for a complete address-level bushfire risk report for Cudmirrah including BAL zone assessment, evacuation route mapping, and property-specific risk mitigation recommendations.

Cudmirrah sits within ClimateNest's suburb-level hazard model for bushfire risk. 11.4% of the suburb's land area is mapped in high-risk bushfire zones and 75.6% 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 Cudmirrah.

On ClimateNest's 0โ€“10 suburb hazard index, Cudmirrah scores 5 for bushfire risk โ€” a moderate exposure relative to the Australian suburb range. For comparison, properties in Cudmirrah can still sit well above or below this suburb average depending on elevation, distance to waterways or vegetation, and local drainage.

Cudmirrah located in Regional NSW (postcode 2540), is a New South Wales suburb tracked by ClimateNest. The suburb's median property value is $550,000, and understanding climate exposure is becoming a standard part of due diligence for buyers, lenders and insurers pricing property in Cudmirrah.

Across the six hazard axes ClimateNest models, the dominant climate risk in Cudmirrah is extreme heat (score 6/10), with moderate exposure. Insurance signals for the suburb point to premiums rising moderately (+25% by 2030). These suburb-level signals help prioritise which properties need the closest look โ€” the actual risk of any single home can only be confirmed with an address-level report.

Whether you are buying, selling or renovating in Cudmirrah, 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 Cudmirrah are increasingly made with an address-level climate report in hand.

Local Hazard Evidence

Distance to BushlandAdjacent
BAL Overlay / Zonehttps://www.rfs.nsw.gov.au/plan-and-prepare/bush-fire-prone-land
Bushfire Prone AreaYes

Historical Events

2019
Major

The Currowan bushfire impacted the Shoalhaven region, causing widespread damage and evacuations.

2013
Moderate

Bushfires near Conjola Park threatened Cudmirrah, requiring residents to be on alert.

Adaptation & Mitigation Actions

Elevate Homes

Near-term

Elevate homes in flood-prone areas to reduce the risk of water damage.

Est. cost: High

Improve Drainage

Near-term

Upgrade drainage infrastructure to better manage stormwater runoff and reduce flood risk.

Est. cost: Medium

Create Bushfire Buffer Zones

Immediate

Create and maintain buffer zones around properties to reduce the risk of bushfire damage.

Est. cost: Low

Install Solar Panels and Battery Storage

Long-term

Reduce reliance on the grid and improve energy resilience during heatwaves.

Est. cost: Medium

Coastal Protection Measures

Long-term

Implement coastal protection measures such as seawalls and beach nourishment to protect against erosion.

Est. cost: Very High

Council & Emergency Services

Shoalhaven City Council
Emergency Services

Data last updated: 25 May 2026

Explore Cudmirrah Risk Reports

Frequently Asked Questions

Is Cudmirrah in a bushfire prone area?

Parts of Cudmirrah may be designated as bushfire prone land. Based on available data, Cudmirrah has a notable bushfire risk. Check your specific property for BAL ratings through ClimateNest or your local council.

What BAL rating applies to properties in Cudmirrah?

BAL ratings in Cudmirrah depend on the property's distance from classified vegetation, vegetation type, and slope. A site-specific assessment under AS 3959 is required to determine the exact BAL rating for any property within the suburb.

Does bushfire risk affect insurance in Cudmirrah?

Yes, properties in bushfire-prone parts of Cudmirrah may face higher building insurance premiums. Insurers assess bushfire risk based on BAL rating, fire history, and proximity to bushland. Some insurers may restrict cover in very high-risk locations.

What bushfire mitigation measures help protect homes in Cudmirrah?

Effective bushfire mitigation includes maintaining cleared asset protection zones, using ember-proof mesh on vents, installing metal gutter guards, using non-combustible building materials, and maintaining defendable space. Consult the New South Wales fire authority for property-specific guidance.

What are the main climate risks in Cudmirrah?

ClimateNest's suburb model rates Cudmirrah's dominant climate risk as extreme heat at 6/10 on a 0โ€“10 index, followed by bushfire (5/10) and damaging wind (4/10). These are suburb-level averages โ€” an address-level report is needed to confirm the risk of a specific property in Cudmirrah.

What share of Cudmirrah is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 11.4% of Cudmirrah in high-risk zones for bushfire, with a further 75.6% in moderate-risk zones. Suburb-level exposure is not uniform โ€” individual properties can differ from these averages, so an address-level check is recommended.

Is Cudmirrah Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Cudmirrah, 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 ยท Australian addresses only ยท 8 hazard scores ยท Insurance trajectory ยท 2030 & 2050 projections