Bushfire Risk in Gloucester Tops, NSW: 2026 Assessment

Gloucester Tops, New South Wales· Mid-Coast
Gloucester Tops is at high risk of bushfires due to its proximity to dense bushland and forests. Hot, dry summers and strong winds contribute to the potential for rapid fire spread.Updated 31 May 2026

Bushfire Risk Score

8.0/10

Gloucester Tops is at high risk of bushfires due to its proximity to dense bushland and forests. Hot, dry summers and strong winds contribute to the potential for rapid fire spread.

Key Facts

Bushfire Risk
Gloucester Tops is at high risk of bushfires due to its proximity to dense bushland and forests. Hot, dry summers and strong winds contribute to the potential for rapid fire spread.
Trend
increasing
Suburb
Gloucester Tops, NSW
Overall Risk
High
Postcode
2422
Region
Regional
Median property value
$500,000
Dominant hazard
extreme heat (5/10)
Highest high-risk exposure
18.1% of land (bushfire)

Bushfire Risk Analysis

Gloucester Tops, New South Wales, has a gloucester tops is at high risk of bushfires due to its proximity to dense bushland and forests. hot, dry summers and strong winds contribute to the potential for rapid fire spread. 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 Gloucester Tops, 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 Gloucester Tops including BAL zone assessment, evacuation route mapping, and property-specific risk mitigation recommendations.

Gloucester Tops sits within ClimateNest's suburb-level hazard model for bushfire risk. 18.1% of the suburb's land area is mapped in high-risk bushfire zones and 74.8% 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 Gloucester Tops.

On ClimateNest's 0–10 suburb hazard index, Gloucester Tops scores 3 for bushfire risk — a lower exposure relative to the Australian suburb range. For comparison, properties in Gloucester Tops can still sit well above or below this suburb average depending on elevation, distance to waterways or vegetation, and local drainage.

Gloucester Tops located in Regional (postcode 2422), is a New South Wales suburb tracked by ClimateNest. The suburb's median property value is $500,000, and understanding climate exposure is becoming a standard part of due diligence for buyers, lenders and insurers pricing property in Gloucester Tops.

Across the six hazard axes ClimateNest models, the dominant climate risk in Gloucester Tops is extreme heat (score 5/10), 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 — the actual risk of any single home can only be confirmed with an address-level report.

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

Local Hazard Evidence

Distance to BushlandAdjacent to Barrington Tops National Park
BAL Overlay / ZoneRFS Bush Fire Prone Land Map
Bushfire Prone AreaYes

Historical Events

2019
Major

The 2019 bushfires significantly impacted the region, causing widespread damage to property and the environment.

Adaptation & Mitigation Actions

Bushfire Preparedness Plan

Immediate

Develop and implement a comprehensive bushfire preparedness plan for your property, including clearing vegetation, creating firebreaks, and having an evacuation plan.

Est. cost: Low

Flood Mitigation Measures

Near-term

Implement flood mitigation measures such as installing flood barriers, elevating electrical systems, and improving drainage around your property.

Est. cost: Medium

Heatwave Preparedness

Immediate

Ensure your home is well-insulated and has adequate ventilation. Install air conditioning or fans, and develop a plan to stay cool during heatwaves.

Est. cost: Low

Community Early Warning System

Near-term

Establish a community-based early warning system for bushfires, floods, and heatwaves to ensure residents receive timely alerts and can take appropriate action.

Est. cost: Medium

Sustainable Land Management

Long-term

Promote sustainable land management practices to reduce erosion, improve water quality, and enhance the resilience of ecosystems to climate change impacts.

Est. cost: High

Council & Emergency Services

Mid-Coast Council
Emergency Services

Data last updated: 31 May 2026

Explore Gloucester Tops Risk Reports

Frequently Asked Questions

Is Gloucester Tops in a bushfire prone area?

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

BAL ratings in Gloucester Tops 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 Gloucester Tops?

Yes, properties in bushfire-prone parts of Gloucester Tops 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 Gloucester Tops?

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 Gloucester Tops?

ClimateNest's suburb model rates Gloucester Tops's dominant climate risk as extreme heat at 5/10 on a 0–10 index, followed by damaging wind (4/10) and severe storm (4/10). These are suburb-level averages — an address-level report is needed to confirm the risk of a specific property in Gloucester Tops.

What share of Gloucester Tops is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 18.1% of Gloucester Tops in high-risk zones for bushfire, with a further 74.8% 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 Gloucester Tops Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Gloucester Tops, 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