Flood Risk in Moppy, NSW: 2026 Assessment

Moppy, New South Wales· Mid-Coast Council
Moppy faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.Updated 31 May 2026

Flood Risk Score

6.0/10

Moppy faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.

Key Facts

Flood Risk
Moppy faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.
Trend
increasing
Suburb
Moppy, NSW
Overall Risk
Medium
Postcode
2422
Highest high-risk exposure
9.7% of land (bushfire)

Flood Risk Analysis

Moppy, 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 data indicates that the Moppy River has overflowed its banks several times in the past, causing damage to properties and infrastructure.

Moppy faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.

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.

Moppy sits within ClimateNest's suburb-level hazard model for flood risk. 2.9% of the suburb's land area is mapped in high-risk flood zones and 74% 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 Moppy.

Moppy (postcode 2422) 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 (9.7% of land in high-risk zones), extreme wind (5.1% of land in high-risk zones), surface flood (3.9% of land in high-risk zones). Exposure is not uniform across Moppy — 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 WaterwayMoppy River
Elevation Range50-100m
Flood Zone ClassificationAreas near the Moppy River are prone to flooding.

Historical Events

2022
Moderate

Heavy rainfall caused moderate flooding in the Moppy River, impacting local roads and some properties.

2013
Moderate

The Moppy River experienced moderate flooding, affecting low-lying areas and causing minor damage to properties.

Adaptation & Mitigation Actions

Improve Drainage Infrastructure

Near-term

Upgrade drainage systems to handle increased rainfall intensity and reduce flood risk.

Est. cost: Medium

Implement Bushfire Mitigation Strategies

Immediate

Reduce fuel loads around properties and implement community education programs to prepare for bushfires.

Est. cost: Low

Develop Heatwave Response Plan

Near-term

Establish 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 droughts and heatwaves.

Est. cost: Low

Council & Emergency Services

Mid-Coast Council
Emergency Services

Data last updated: 31 May 2026

Explore Moppy Risk Reports

Frequently Asked Questions

Is Moppy at risk of flooding?

Based on available data, Moppy 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 Moppy?

Insurance costs for flood cover in Moppy 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 Moppy?

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

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

ClimateNest's hazard overlay maps 9.7% of Moppy in high-risk zones for bushfire, with a further 82.1% 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 Moppy Safe from Climate Risk?

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