๐Ÿ“ฎ Lemon Tree Passage postcode: 2319

Flood Risk in Lemon Tree Passage, NSW: 2026 Assessment

Lemon Tree Passage, New South Walesยท Port Stephensยท 2319
Lemon Tree Passage is susceptible to flooding due to its low-lying coastal location and proximity to waterways. Climate change is expected to increase rainfall intensity and sea levels, exacerbating flood risk.Updated 24 May 2026

Flood Risk Score

6.5/10

Lemon Tree Passage is susceptible to flooding due to its low-lying coastal location and proximity to waterways. Climate change is expected to increase rainfall intensity and sea levels, exacerbating flood risk.

Key Facts

Flood Risk
Lemon Tree Passage is susceptible to flooding due to its low-lying coastal location and proximity to waterways. Climate change is expected to increase rainfall intensity and sea levels, exacerbating flood risk.
Trend
increasing
Suburb
Lemon Tree Passage, NSW
Overall Risk
Medium
Postcode
2319
Highest high-risk exposure
14.1% of land (bushfire)

Flood Risk Analysis

Lemon Tree Passage, 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 events have impacted low-lying areas of Lemon Tree Passage. Council flood studies are available for review.

Lemon Tree Passage is susceptible to flooding due to its low-lying coastal location and proximity to waterways. Climate change is expected to increase rainfall intensity and sea levels, 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.

Lemon Tree Passage sits within ClimateNest's suburb-level hazard model for flood risk. 5.5% of the suburb's land area is mapped in high-risk flood zones and 85.9% 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 Lemon Tree Passage.

Lemon Tree Passage (postcode 2319) 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 bushfire (14.1% of land in high-risk zones), surface flood (8.4% of land in high-risk zones), riverine flood (5.5% of land in high-risk zones). Exposure is not uniform across Lemon Tree Passage 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 WaterwayPort Stephens
Elevation Range0-10 meters
Flood Zone ClassificationCoastal floodplain

Historical Events

2023
Moderate

Significant rainfall and flooding impacted the region, causing road closures and property damage.

2013
Moderate

Heavy rainfall led to localized flooding in low-lying areas of Lemon Tree Passage.

Adaptation & Mitigation Actions

Improve Drainage Infrastructure

Near-term

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

Est. cost: Medium

Implement Bushfire Management Plans

Near-term

Develop and implement bushfire management plans to reduce fuel loads and protect properties.

Est. cost: Low

Protect Coastal Areas from Erosion

Long-term

Implement coastal protection measures, such as seawalls and beach nourishment, to reduce erosion.

Est. cost: High

Develop a Heatwave Response Plan

Immediate

Create a heatwave response plan to protect vulnerable residents during extreme heat events.

Est. cost: Low

Raise Awareness and Educate the Community

Near-term

Conduct community workshops and provide information on climate risks and adaptation strategies.

Est. cost: Low

Council & Emergency Services

Port Stephens Council
Emergency Services

Data last updated: 24 May 2026

Explore Lemon Tree Passage Risk Reports

Frequently Asked Questions

Is Lemon Tree Passage at risk of flooding?

Based on available data, Lemon Tree Passage 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 Lemon Tree Passage?

Insurance costs for flood cover in Lemon Tree Passage 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 Lemon Tree Passage?

Yes, flood risk can affect property values in Lemon Tree Passage. 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 Lemon Tree Passage?

Elevation is a critical factor in flood risk. Properties at higher elevations within Lemon Tree Passage 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 Lemon Tree Passage is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 14.1% of Lemon Tree Passage in high-risk zones for bushfire, with a further 74.3% 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 Lemon Tree Passage Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Lemon Tree Passage, 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