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Climate Risk in Lloyd, NSW

Lloyd, New South Wales· City of Wagga Wagga· 2650
Medium Risk
Updated May 2026

Lloyd, NSW, faces moderate climate risks, primarily from flooding and heatwaves. Bushfire risk is also a concern. Residents should prepare for more frequent extreme weather events.

Overall Risk Score

52/100
Medium

Confidence: Medium

Hazard Breakdown

Flood
6.5
Bushfire
4.0
Heat
6.0
Coastal
1.0

Climate Hazard Breakdown for Lloyd

increasing

Flood

65/100

Lloyd faces a moderate risk of flooding due to its proximity to waterways and relatively flat terrain. Increased rainfall intensity could exacerbate this risk.

Key drivers:

  • ·Increased rainfall intensity
  • ·Urban development
increasing

Bushfire

40/100

Bushfire risk in Lloyd is moderate, with some areas bordering bushland. Drier conditions and higher temperatures could increase the likelihood of bushfires.

Key drivers:

  • ·Drier conditions
  • ·Higher temperatures
increasing

Heat

60/100

Lloyd is likely to experience more frequent and intense heatwaves. This poses a risk to vulnerable populations and infrastructure.

Key drivers:

  • ·Rising temperatures
  • ·Urban heat island effect
stable

Coastal

10/100

As an inland suburb, Lloyd has a very low risk of coastal hazards.

stable

Wind

28/100

Moderate wind risk — East Coast Lows and gust fronts

stable

Storm

39/100

Moderate storm risk — severe thunderstorms and hail

stable

Social

21/100

Moderate social stability — mixed urban density

increasing

Energy

35/100

Moderate energy costs — climate-driven cooling demand

In-Depth Climate Risk Guides for Lloyd

Should I Buy

Property buying guide with climate risk assessment

Flood Risk

Flood zone mapping, historical events, and projections

Bushfire Risk

BAL assessment, vegetation proximity, and fire history

Climate Safety

Multi-hazard safety assessment to 2050

Storm Risk

Severe weather, hail, and wind risk analysis

Heat Risk

Extreme heat days, urban heat island, and cooling costs

Insurance Costs

Premium estimates and insurance availability

Investment Score

Climate-adjusted property investment analysis

Detailed Hazard Analysis

heat Risk

60/100

Lloyd is likely to experience more frequent and intense heatwaves. This poses a risk to vulnerable populations and infrastructure.

Primary Drivers

  • ·Rising temperatures
  • ·Urban heat island effect
  • ·Climate change

Projections (RCP8.5)

2030

6.5

2050

7.0

Data source

flood Risk

65/100

Lloyd faces a moderate risk of flooding due to its proximity to waterways and relatively flat terrain. Increased rainfall intensity could exacerbate this risk.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Urban development
  • ·Climate change

Projections (RCP8.5)

2030

7.0

2050

7.5

Data source

coastal Risk

10/100

As an inland suburb, Lloyd has a very low risk of coastal hazards.

Projections (RCP8.5)

2030

1.0

2050

1.0

Data source

bushfire Risk

40/100

Bushfire risk in Lloyd is moderate, with some areas bordering bushland. Drier conditions and higher temperatures could increase the likelihood of bushfires.

Primary Drivers

  • ·Drier conditions
  • ·Higher temperatures
  • ·Increased fuel load

Projections (RCP8.5)

2030

4.5

2050

5.0

Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums may increase in the future due to climate change risks.

Price Impact

Properties in flood-prone areas may experience a decrease in value.

Buyer Checklist

  • 1.Check flood maps and historical flood data.
  • 2.Assess bushfire risk and prepare a bushfire survival plan.
  • 3.Ensure adequate insurance coverage.
  • 4.Consider energy efficiency measures to reduce cooling costs.

Local Climate Evidence

Flood Evidence

Nearest Waterway
Murrumbidgee River
Elevation Range
180-200m
Flood Zone
Some areas are within a designated flood zone.

Historical flood data indicates that some properties in Lloyd have been affected by flooding in the past.

View council flood map

Bushfire Evidence

Distance to Bushland
Some properties border bushland.
Planning Overlay
Check with Wagga Wagga City Council for bushfire prone area maps.
Bushfire Prone Area
Yes

The Rural Fire Service (RFS) provides information on bushfire safety and preparedness.

Heat Evidence

Avg January Max Temp
32°C
Heat Stress Days/Year
5 days

Heatwaves are becoming more frequent and intense in the region.

Coastal Evidence

Distance to Coast
400 km
Sea Level Rise Exposure
Not applicable.
Erosion Risk
Not applicable.

Historical Climate Events

2012
floodModerate

Significant flooding occurred in the Wagga Wagga region, affecting some properties in Lloyd.

Source
2019
bushfireModerate

Bushfires impacted areas surrounding Wagga Wagga, with smoke affecting air quality in Lloyd.

Source
2017
heatwaveModerate

A prolonged heatwave affected the region, with temperatures exceeding 40 degrees Celsius for several days.

Source
2010
floodMinor

Localized flooding occurred in low-lying areas of Wagga Wagga, including parts of Lloyd, after heavy rainfall.

Source

Climate Outlook to 2050

Projections based on CSIRO and BOM climate modelling. Scenario: RCP8.5

HazardToday20302050
flood657.0(+0.5)7.5(+1.0)
bushfire404.3(+0.3)4.5(+0.5)
heat606.7(+0.7)7.2(+1.2)
coastal101.01.0

By 2030, Lloyd is projected to experience a moderate increase in overall climate risk, with the most significant impacts from heatwaves and flooding. Bushfire risk is also expected to increase.

CSIRO Climate Projections

Adaptation Recommendations

Improve flood defenses

Near-term

Invest in infrastructure to protect properties from flooding, such as levees and drainage improvements.

Est. cost: High

Learn more

Develop a heatwave plan

Immediate

Implement a plan to protect vulnerable populations during heatwaves, such as providing cooling centers and public awareness campaigns.

Est. cost: Medium

Learn more

Reduce bushfire risk

Near-term

Implement measures to reduce bushfire risk, such as clearing vegetation around properties and conducting controlled burns.

Est. cost: Medium

Learn more

Promote water conservation

Long-term

Encourage residents to conserve water to reduce the impact of droughts.

Est. cost: Low

Learn more

About Lloyd's Climate Risk Profile

Lloyd is a suburb of Wagga Wagga, located in the Riverina region of New South Wales. The area is characterized by a mix of residential and agricultural land use.

Climate change is expected to increase the frequency and intensity of extreme weather events in the region. This includes more frequent and intense heatwaves, increased rainfall intensity, and a higher risk of bushfires.

Flooding is a significant concern for some parts of Lloyd, particularly those near waterways. Increased rainfall intensity could lead to more frequent and severe flooding events.

Heatwaves are also a growing concern, especially for vulnerable populations such as the elderly and those with chronic health conditions. Residents should take steps to stay cool during heatwaves, such as drinking plenty of water and spending time in air-conditioned environments.

Bushfire risk is also present, particularly in areas bordering bushland. Residents should be aware of the bushfire risk and have a plan in place in case of a fire.

Data sources: BOM · CSIRO · NSW SES · NSW RFS · City of Wagga Wagga

Local Government Resources

City of Wagga Wagga

Climate StrategyFlood MapsEmergency Services

Frequently Asked Questions

What are the main climate change risks in Lloyd?

The main climate change risks in Lloyd are flooding, heatwaves, and bushfires. These risks are expected to increase in the future due to climate change.

How can I prepare for flooding in Lloyd?

You can prepare for flooding by checking flood maps, having an evacuation plan, and ensuring you have adequate insurance coverage.

What should I do during a heatwave in Lloyd?

During a heatwave, you should stay cool by drinking plenty of water, spending time in air-conditioned environments, and avoiding strenuous activity.

How can I reduce my bushfire risk in Lloyd?

You can reduce your bushfire risk by clearing vegetation around your property, having a bushfire survival plan, and staying informed about bushfire warnings.

Where can I find more information about climate change in Lloyd?

You can find more information about climate change in Lloyd from the City of Wagga Wagga, the NSW State Emergency Service, and the Bureau of Meteorology.

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