Flood Risk in Palmers Island, NSW: 2026 Assessment

Palmers Island, New South Wales· UNKNOWN
Palmers Island is at a high risk of flooding due to its low elevation and proximity to the Clarence River. Climate change is expected to increase the frequency and intensity of rainfall events, exacerbating flood risk.Updated 4 May 2026

Flood Risk Score

7.0/10

Palmers Island is at a high risk of flooding due to its low elevation and proximity to the Clarence River. Climate change is expected to increase the frequency and intensity of rainfall events, exacerbating flood risk.

Key Facts

Flood Risk
Palmers Island is at a high risk of flooding due to its low elevation and proximity to the Clarence River. Climate change is expected to increase the frequency and intensity of rainfall events, exacerbating flood risk.
Trend
increasing
Suburb
Palmers Island, NSW
Overall Risk
Medium
Postcode
2463
Highest high-risk exposure
16% of land (bushfire)

Flood Risk Analysis

Palmers Island, 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.

Palmers Island is located on the floodplain of the Clarence River, making it highly susceptible to flooding. Historical flood events have caused significant damage to property and infrastructure.

Palmers Island is at a high risk of flooding due to its low elevation and proximity to the Clarence River. Climate change is expected to increase the frequency and intensity of rainfall events, 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.

Palmers Island sits within ClimateNest's suburb-level hazard model for flood risk. 5.4% of the suburb's land area is mapped in high-risk flood zones and 84.5% 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 Palmers Island.

Palmers Island (postcode 2463) 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 (16% of land in high-risk zones), surface flood (13.8% of land in high-risk zones), riverine flood (5.4% of land in high-risk zones). Exposure is not uniform across Palmers Island — 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 WaterwayClarence River
Elevation Range0-5 meters
Flood Zone ClassificationHigh Risk

Historical Events

2020
Major

Major flooding along the Clarence River resulted in widespread inundation of Palmers Island, causing significant damage to homes and businesses.

2013
Moderate

The Clarence River experienced moderate flooding, inundating low-lying areas of Palmers Island and causing damage to property.

Adaptation & Mitigation Actions

Improve Flood Defenses

Immediate

Invest in infrastructure to protect against flooding, such as levees, flood walls, and improved drainage systems.

Est. cost: High

Strengthen Building Codes

Near-term

Update building codes to require new construction to be more resilient to flooding, bushfire, and extreme heat.

Est. cost: Medium

Develop Heatwave Preparedness Plans

Immediate

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

Est. cost: Low

Implement Coastal Adaptation Strategies

Long-term

Develop and implement strategies to adapt to sea level rise and coastal erosion, such as managed retreat and coastal protection measures.

Est. cost: High

Community Education Programs

Near-term

Run community workshops and distribute information on climate risks and adaptation measures.

Est. cost: Low

Council & Emergency Services

Clarence Valley Council
Emergency Services

Data last updated: 4 May 2026

Explore Palmers Island Risk Reports

Frequently Asked Questions

Is Palmers Island at risk of flooding?

Based on available data, Palmers Island 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 Palmers Island?

Insurance costs for flood cover in Palmers Island 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 Palmers Island?

Yes, flood risk can affect property values in Palmers Island. 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 Palmers Island?

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

ClimateNest's hazard overlay maps 16% of Palmers Island in high-risk zones for bushfire, with a further 74.9% 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 Palmers Island Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Palmers Island, 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