๐Ÿ“ฎ Matcham postcode: 2250

Flood Risk in Matcham, NSW: 2026 Assessment

Matcham, New South Walesยท Central Coastยท 2250
Matcham faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to flash flooding and riverine flooding.Updated 7 May 2026

Flood Risk Score

6.5/10

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

Key Facts

Flood Risk
Matcham faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to flash flooding and riverine flooding.
Trend
increasing
Suburb
Matcham, NSW
Overall Risk
Medium
Postcode
2250
Highest high-risk exposure
24.1% of land (bushfire)

Flood Risk Analysis

Matcham, 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.

Some properties in Matcham are located in areas that are susceptible to flooding during heavy rainfall events.

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

Matcham sits within ClimateNest's suburb-level hazard model for flood risk. 9.1% of the suburb's land area is mapped in high-risk flood zones and 67.8% 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 Matcham.

Matcham (postcode 2250) 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 (24.1% of land in high-risk zones), riverine flood (9.1% of land in high-risk zones), surface flood (7.2% of land in high-risk zones). Exposure is not uniform across Matcham 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 WaterwayWamberal Lagoon
Elevation Range5-50 meters
Flood Zone ClassificationPartially within flood zone

Historical Events

2007
Moderate

Major flooding occurred in the Central Coast region, impacting Matcham and surrounding areas. Many homes were inundated, and roads were closed.

Adaptation & Mitigation Actions

Improve flood management infrastructure

Near-term

Upgrade drainage systems and build flood levees to protect properties from flooding.

Est. cost: High

Implement bushfire mitigation measures

Immediate

Clear vegetation around homes and create firebreaks to reduce the risk of bushfires.

Est. cost: Medium

Develop a heatwave response plan

Near-term

Establish cooling centers and provide support to vulnerable populations during heatwaves.

Est. cost: Low

Protect coastal areas from sea level rise

Long-term

Implement coastal protection measures, such as seawalls and beach nourishment, to protect properties from erosion and inundation.

Est. cost: Very High

Promote water conservation

Near-term

Encourage residents to conserve water through rainwater harvesting and efficient irrigation practices.

Est. cost: Low

Council & Emergency Services

Central Coast Council
Emergency Services

Data last updated: 7 May 2026

Explore Matcham Risk Reports

Frequently Asked Questions

Is Matcham at risk of flooding?

Based on available data, Matcham 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 Matcham?

Insurance costs for flood cover in Matcham 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 Matcham?

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

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

ClimateNest's hazard overlay maps 24.1% of Matcham in high-risk zones for bushfire, with a further 55.3% 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 Matcham Safe from Climate Risk?

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