๐Ÿ“ฎ Medowie postcode: 2318

Flood Risk in Medowie, NSW: 2026 Assessment

Medowie, New South Walesยท Port Stephensยท 2318
Medowie faces a moderate risk of flooding, primarily from heavy rainfall events and potential riverine flooding. The risk is expected to increase with climate change.Updated 4 Apr 2026

Flood Risk Score

6.5/10

Medowie faces a moderate risk of flooding, primarily from heavy rainfall events and potential riverine flooding. The risk is expected to increase with climate change.

Key Facts

Flood Risk
Medowie faces a moderate risk of flooding, primarily from heavy rainfall events and potential riverine flooding. The risk is expected to increase with climate change.
Trend
increasing
Suburb
Medowie, NSW
Overall Risk
Medium
Postcode
2318
Highest high-risk exposure
12.1% of land (bushfire)

Flood Risk Analysis

Medowie, 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 in Medowie, particularly those close to waterways.

Medowie faces a moderate risk of flooding, primarily from heavy rainfall events and potential riverine flooding. The risk is expected to increase with climate change.

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.

Medowie sits within ClimateNest's suburb-level hazard model for flood risk. 7.9% of the suburb's land area is mapped in high-risk flood zones and 65.5% 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 Medowie.

Medowie (postcode 2318) 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 (12.1% of land in high-risk zones), riverine flood (7.9% of land in high-risk zones), surface flood (6.5% of land in high-risk zones). Exposure is not uniform across Medowie 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 WaterwayHunter River
Elevation Range5-30 meters
Flood Zone ClassificationAreas adjacent to the Hunter River and local creeks are susceptible to flooding.

Historical Events

2023
Moderate

Heavy rainfall caused localized flooding in Medowie, impacting roads and some residential areas.

2007
Moderate

Major flooding in the Hunter region impacted Medowie, causing property damage and road closures.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Invest in improved drainage infrastructure and flood barriers to protect properties from flood damage.

Est. cost: Medium

Enhance Bushfire Preparedness

Immediate

Implement bushfire mitigation measures, such as clearing vegetation around properties and developing evacuation plans.

Est. cost: Low

Develop Heatwave Response Plan

Near-term

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

Est. cost: Low

Promote Water Conservation

Long-term

Encourage water conservation measures to reduce water stress during periods of drought.

Est. cost: Low

Community Education Programs

Near-term

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

Est. cost: Low

Council & Emergency Services

Port Stephens Council
Emergency Services

Data last updated: 4 April 2026

Explore Medowie Risk Reports

Frequently Asked Questions

Is Medowie at risk of flooding?

Based on available data, Medowie 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 Medowie?

Insurance costs for flood cover in Medowie 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 Medowie?

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

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

ClimateNest's hazard overlay maps 12.1% of Medowie in high-risk zones for bushfire, with a further 73% 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 Medowie Safe from Climate Risk?

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