📮 Lloyd postcode: 2650

Bushfire Risk in Lloyd, NSW: 2026 Assessment

Lloyd, New South Wales· City of Wagga Wagga· 2650
Bushfire risk in Lloyd is moderate, with some areas bordering bushland. Drier conditions and higher temperatures could increase the likelihood of bushfires.Updated 29 May 2026

Bushfire Risk Score

4.0/10

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

Key Facts

Bushfire Risk
Bushfire risk in Lloyd is moderate, with some areas bordering bushland. Drier conditions and higher temperatures could increase the likelihood of bushfires.
Trend
increasing
Suburb
Lloyd, NSW
Overall Risk
Medium
Postcode
2650
Highest high-risk exposure
9.1% of land (riverine flood)

Bushfire Risk Analysis

Lloyd, New South Wales, has a bushfire risk in lloyd is moderate, with some areas bordering bushland. drier conditions and higher temperatures could increase the likelihood of bushfires. 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 Rural Fire Service (RFS) provides information on bushfire safety and preparedness.

CSIRO research indicates climate change is extending fire seasons and increasing the number of severe fire weather days across southern and eastern Australia. For Lloyd, 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 Lloyd including BAL zone assessment, evacuation route mapping, and property-specific risk mitigation recommendations.

Lloyd sits within ClimateNest's suburb-level hazard model for bushfire risk. 6.4% of the suburb's land area is mapped in high-risk bushfire zones and 68.1% 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 Lloyd.

Lloyd (postcode 2650) 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 (9.1% of land in high-risk zones), surface flood (8.9% of land in high-risk zones), bushfire (6.4% of land in high-risk zones). Exposure is not uniform across Lloyd — 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

Distance to BushlandSome properties border bushland.
BAL Overlay / ZoneCheck with Wagga Wagga City Council for bushfire prone area maps.
Bushfire Prone AreaYes

Historical Events

2019
Moderate

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

Adaptation & Mitigation Actions

Improve flood defenses

Near-term

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

Est. cost: High

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

Reduce bushfire risk

Near-term

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

Est. cost: Medium

Promote water conservation

Long-term

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

Est. cost: Low

Council & Emergency Services

City of Wagga Wagga
Emergency Services

Data last updated: 29 May 2026

Explore Lloyd Risk Reports

Frequently Asked Questions

Is Lloyd in a bushfire prone area?

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

BAL ratings in Lloyd 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 Lloyd?

Yes, properties in bushfire-prone parts of Lloyd 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 Lloyd?

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 share of Lloyd is exposed to high riverine flood risk?

ClimateNest's hazard overlay maps 9.1% of Lloyd in high-risk zones for riverine flood, with a further 83.3% 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 Lloyd Safe from Climate Risk?

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