Flood Risk in Lowanna, NSW: 2026 Assessment

Lowanna, New South Wales· UNKNOWN
Lowanna experiences moderate flood risk due to its proximity to waterways and rainfall patterns. Local topography can exacerbate flooding during heavy rain events.Updated 4 May 2026

Flood Risk Score

6.0/10

Lowanna experiences moderate flood risk due to its proximity to waterways and rainfall patterns. Local topography can exacerbate flooding during heavy rain events.

Key Facts

Flood Risk
Lowanna experiences moderate flood risk due to its proximity to waterways and rainfall patterns. Local topography can exacerbate flooding during heavy rain events.
Trend
increasing
Suburb
Lowanna, NSW
Overall Risk
Medium
Postcode
2450
Highest high-risk exposure
13.2% of land (bushfire)

Flood Risk Analysis

Lowanna, 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 creeks and drainage systems are prone to overflowing during heavy rainfall events.

Lowanna experiences moderate flood risk due to its proximity to waterways and rainfall patterns. Local topography can exacerbate flooding during heavy rain events.

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.

Lowanna sits within ClimateNest's suburb-level hazard model for flood risk. 3% of the suburb's land area is mapped in high-risk flood zones and 81% 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 Lowanna.

Lowanna (postcode 2450) 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 (13.2% of land in high-risk zones), extreme wind (6.8% of land in high-risk zones), surface flood (3.3% of land in high-risk zones). Exposure is not uniform across Lowanna — 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 WaterwayUnnamed Creek
Elevation Range200-250m
Flood Zone ClassificationModerate

Historical Events

2022
Moderate

Another significant flood event impacted Lowanna, causing damage to infrastructure and homes.

2013
Moderate

Heavy rainfall caused flooding in low-lying areas of Lowanna, resulting in property damage and road closures.

Adaptation & Mitigation Actions

Improve Drainage Infrastructure

Near-term

Upgrade and expand drainage systems to reduce flood risk.

Est. cost: Medium

Implement Bushfire Management Plan

Immediate

Develop and implement a comprehensive bushfire management plan, including fuel reduction and community education.

Est. cost: Medium

Develop Heatwave Response Plan

Near-term

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

Est. cost: Low

Community Education Programs

Long-term

Implement community education programs to raise awareness about climate risks and adaptation measures.

Est. cost: Low

Council & Emergency Services

Coffs Harbour City Council
Emergency Services

Data last updated: 4 May 2026

Explore Lowanna Risk Reports

Frequently Asked Questions

Is Lowanna at risk of flooding?

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

What flood insurance costs can I expect in Lowanna?

Insurance costs for flood cover in Lowanna 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 Lowanna?

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

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

ClimateNest's hazard overlay maps 13.2% of Lowanna in high-risk zones for bushfire, with a further 68.6% 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 Lowanna Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Lowanna, 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