๐Ÿ“ฎ Manly postcode: 2095

Flood Risk in Manly, NSW: 2026 Assessment

Manly, New South Walesยท Northern Beaches Councilยท 2095
Manly faces a moderate risk of flooding due to its low-lying areas and proximity to waterways. Intense rainfall events can lead to flash flooding.Updated 2 Apr 2026

Flood Risk Score

6.5/10

Manly faces a moderate risk of flooding due to its low-lying areas and proximity to waterways. Intense rainfall events can lead to flash flooding.

Key Facts

Flood Risk
Manly faces a moderate risk of flooding due to its low-lying areas and proximity to waterways. Intense rainfall events can lead to flash flooding.
Trend
increasing
Suburb
Manly, NSW
Overall Risk
Medium
Postcode
2095
Highest high-risk exposure
9.8% of land (surface flood)

Flood Risk Analysis

Manly, 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 properties near Manly Lagoon. Council flood studies are available online.

Manly faces a moderate risk of flooding due to its low-lying areas and proximity to waterways. Intense rainfall events can lead to flash flooding.

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.

Manly 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 69.1% 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 Manly.

Manly (postcode 2095) 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 surface flood (9.8% of land in high-risk zones), bushfire (7.9% of land in high-risk zones), extreme wind (5.9% of land in high-risk zones). Exposure is not uniform across Manly 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 WaterwayManly Lagoon
Elevation Range0-50 meters
Flood Zone ClassificationAreas near Manly Lagoon and low-lying coastal areas are prone to flooding.

Historical Events

2020
Moderate

Heavy rainfall led to flash flooding in low-lying areas, disrupting transportation and damaging property.

Adaptation & Mitigation Actions

Upgrade Coastal Defenses

Near-term

Invest in seawalls, beach nourishment, and other coastal protection measures to mitigate erosion and flooding.

Est. cost: High

Improve Heatwave Preparedness

Immediate

Develop a heatwave management plan, including cooling centers and public awareness campaigns.

Est. cost: Medium

Enhance Flood Management

Near-term

Improve drainage infrastructure and implement flood early warning systems.

Est. cost: Medium

Promote Water Conservation

Long-term

Encourage residents and businesses to adopt water-saving measures to reduce demand during droughts.

Est. cost: Low

Bushfire Preparedness

Near-term

Ensure properties bordering bushland have adequate fire breaks and residents have bushfire survival plans.

Est. cost: Low

Council & Emergency Services

Northern Beaches Council
Emergency Services

Data last updated: 2 April 2026

Explore Manly Risk Reports

Frequently Asked Questions

Is Manly at risk of flooding?

Based on available data, Manly 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 Manly?

Insurance costs for flood cover in Manly 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 Manly?

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

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

ClimateNest's hazard overlay maps 9.8% of Manly in high-risk zones for surface flood, with a further 62.2% 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 Manly Safe from Climate Risk?

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