Bushfire Risk in Fine Flower, NSW: 2026 Assessment

Fine Flower, New South Wales· UNKNOWN
The area around Fine Flower is susceptible to bushfires, particularly during dry periods. Climate change is projected to increase the frequency and intensity of bushfire events.Updated 4 May 2026

Bushfire Risk Score

7.0/10

The area around Fine Flower is susceptible to bushfires, particularly during dry periods. Climate change is projected to increase the frequency and intensity of bushfire events.

Key Facts

Bushfire Risk
The area around Fine Flower is susceptible to bushfires, particularly during dry periods. Climate change is projected to increase the frequency and intensity of bushfire events.
Trend
increasing
Suburb
Fine Flower, NSW
Overall Risk
Medium
Postcode
2460
Region
Coastal NSW
Median property value
$925,000
Dominant hazard
extreme heat (5/10)
Highest high-risk exposure
15.8% of land (bushfire)

Bushfire Risk Analysis

Fine Flower, New South Wales, has a the area around fine flower is susceptible to bushfires, particularly during dry periods. climate change is projected to increase the frequency and intensity of bushfire events. 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 Fine Flower, 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 Fine Flower including BAL zone assessment, evacuation route mapping, and property-specific risk mitigation recommendations.

Fine Flower sits within ClimateNest's suburb-level hazard model for bushfire risk. 15.8% of the suburb's land area is mapped in high-risk bushfire zones and 73.5% 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 Fine Flower.

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

Fine Flower located in Coastal NSW (postcode 2460), 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 Fine Flower.

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

Local Hazard Evidence

Distance to BushlandAdjacent
BAL Overlay / ZoneRFS Bush Fire Prone Land Map
Bushfire Prone AreaYes

Historical Events

2019
Major

A major bushfire impacted the region, causing property damage and evacuations.

Adaptation & Mitigation Actions

Improve Drainage Infrastructure

Near-term

Upgrade local drainage systems to handle increased rainfall and reduce flood risk.

Est. cost: High

Bushfire Mitigation

Immediate

Implement bushfire mitigation strategies, including fuel reduction and community education programs.

Est. cost: Medium

Heatwave Preparedness

Near-term

Develop a heatwave preparedness plan and provide cooling centers for vulnerable residents.

Est. cost: Low

Community Awareness Programs

Long-term

Educate residents about climate change risks and adaptation measures.

Est. cost: Low

Council & Emergency Services

UNKNOWN
Emergency Services

Data last updated: 4 May 2026

Explore Fine Flower Risk Reports

Frequently Asked Questions

Is Fine Flower in a bushfire prone area?

Parts of Fine Flower may be designated as bushfire prone land. Based on available data, Fine Flower 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 Fine Flower?

BAL ratings in Fine Flower 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 Fine Flower?

Yes, properties in bushfire-prone parts of Fine Flower 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 Fine Flower?

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 Fine Flower?

ClimateNest's suburb model rates Fine Flower'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 Fine Flower.

What share of Fine Flower is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 15.8% of Fine Flower in high-risk zones for bushfire, with a further 73.5% 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 Fine Flower Safe from Climate Risk?

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

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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