๐Ÿ“ฎ Oberne Creek postcode: 2422

Flood Risk in Oberne Creek, NSW: 2026 Assessment

Oberne Creek, New South Walesยท Mid-Coast Councilยท 2422
Oberne Creek faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to riverine and flash flooding.Updated 31 May 2026

Flood Risk Score

6.5/10

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

Key Facts

Flood Risk
Oberne Creek faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to riverine and flash flooding.
Trend
increasing
Suburb
Oberne Creek, NSW
Overall Risk
Medium
Postcode
2650
Highest high-risk exposure
8.2% of land (surface flood)

Flood Risk Analysis

Oberne Creek, 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 properties near the Wallamba River are most at risk.

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

Oberne Creek sits within ClimateNest's suburb-level hazard model for flood risk. 4.3% of the suburb's land area is mapped in high-risk flood zones and 89.4% 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 Oberne Creek.

Oberne Creek (postcode 2650) 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 (8.2% of land in high-risk zones), bushfire (6.4% of land in high-risk zones), riverine flood (4.3% of land in high-risk zones). Exposure is not uniform across Oberne Creek 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 WaterwayWallamba River
Elevation Range5-20 meters
Flood Zone ClassificationLow-lying areas near Wallamba River

Historical Events

2013
Moderate

Significant flooding occurred in the region, impacting low-lying areas near the Wallamba River.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Invest in infrastructure to mitigate flood risk, such as improved drainage systems and levees.

Est. cost: High

Develop a Heat Action Plan

Immediate

Implement a community heat action plan to protect vulnerable populations during heatwaves.

Est. cost: Medium

Enhance Bushfire Preparedness

Near-term

Implement bushfire mitigation measures, such as vegetation management and community education programs.

Est. cost: Medium

Promote Water Conservation

Long-term

Encourage water conservation practices 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 Oberne Creek Risk Reports

Frequently Asked Questions

Is Oberne Creek at risk of flooding?

Based on available data, Oberne Creek 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 Oberne Creek?

Insurance costs for flood cover in Oberne Creek 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 Oberne Creek?

Yes, flood risk can affect property values in Oberne Creek. 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 Oberne Creek?

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

ClimateNest's hazard overlay maps 8.2% of Oberne Creek in high-risk zones for surface flood, with a further 70.3% 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 Oberne Creek Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Oberne Creek, 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