๐Ÿ“ฎ Holbrook postcode: 2644

Flood Risk in Holbrook, NSW: 2026 Assessment

Holbrook, New South Walesยท Greater Hume Shire Councilยท 2644
Holbrook faces a moderate risk of flooding, primarily from local creeks and heavy rainfall events. Climate change is expected to increase the intensity of rainfall, potentially exacerbating flood risks.Updated 8 May 2026

Flood Risk Score

6.0/10

Holbrook faces a moderate risk of flooding, primarily from local creeks and heavy rainfall events. Climate change is expected to increase the intensity of rainfall, potentially exacerbating flood risks.

Key Facts

Flood Risk
Holbrook faces a moderate risk of flooding, primarily from local creeks and heavy rainfall events. Climate change is expected to increase the intensity of rainfall, potentially exacerbating flood risks.
Trend
increasing
Suburb
Holbrook, NSW
Overall Risk
Medium
Postcode
2644
Highest high-risk exposure
11% of land (riverine flood)

Flood Risk Analysis

Holbrook, 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.

Local drainage infrastructure may be inadequate to handle increased rainfall intensity.

Holbrook faces a moderate risk of flooding, primarily from local creeks and heavy rainfall events. Climate change is expected to increase the intensity of rainfall, potentially exacerbating flood risks.

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.

Holbrook sits within ClimateNest's suburb-level hazard model for flood risk. 11% of the suburb's land area is mapped in high-risk flood zones and 72.9% 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 Holbrook.

Holbrook (postcode 2644) is tracked in ClimateNest's suburb hazard model, which maps the share of the suburb's land exposed to each hazard at high and moderate levels. The suburb's highest high-risk exposures are riverine flood (11% of land in high-risk zones), surface flood (9.5% of land in high-risk zones), bushfire (9.3% of land in high-risk zones). Exposure is not uniform across Holbrook โ€” individual properties can sit well above or below these averages, so an address-level check is recommended before buying, selling or insuring.

Local Hazard Evidence

Nearest WaterwayTen Mile Creek
Elevation Range200-240m
Flood Zone ClassificationAreas near Ten Mile Creek are susceptible to flooding.

Historical Events

2012
Moderate

Heavy rainfall caused flash flooding in Holbrook, affecting several homes and businesses.

Adaptation & Mitigation Actions

Improve Drainage Infrastructure

Near-term

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

Est. cost: Medium

Bushfire Preparedness Programs

Immediate

Implement community education programs on bushfire preparedness and evacuation procedures.

Est. cost: Low

Heatwave Early Warning System

Near-term

Establish a heatwave early warning system to alert vulnerable residents and provide access to cooling centers.

Est. cost: Low

Promote Water Conservation

Long-term

Encourage water conservation measures to mitigate the impacts of drought and heatwaves.

Est. cost: Low

Council & Emergency Services

Greater Hume Shire Council
Emergency Services

Data last updated: 8 May 2026

Explore Holbrook Risk Reports

Frequently Asked Questions

Is Holbrook at risk of flooding?

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

What flood insurance costs can I expect in Holbrook?

Insurance costs for flood cover in Holbrook 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 Holbrook?

Yes, flood risk can affect property values in Holbrook. 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 Holbrook?

Elevation is a critical factor in flood risk. Properties at higher elevations within Holbrook 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 share of Holbrook is exposed to high riverine flood risk?

ClimateNest's hazard overlay maps 11% of Holbrook in high-risk zones for riverine flood, with a further 72.9% 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 Holbrook Safe from Climate Risk?

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