Flood Risk in Pearces Creek, NSW: 2026 Assessment

Pearces Creek, New South Wales· UNKNOWN
Pearces Creek faces a moderate risk of flooding. This risk is primarily due to its location within a catchment area and proximity to waterways. Local rainfall patterns can lead to flash flooding.Updated 21 May 2026

Flood Risk Score

6.0/10

Pearces Creek faces a moderate risk of flooding. This risk is primarily due to its location within a catchment area and proximity to waterways. Local rainfall patterns can lead to flash flooding.

Key Facts

Flood Risk
Pearces Creek faces a moderate risk of flooding. This risk is primarily due to its location within a catchment area and proximity to waterways. Local rainfall patterns can lead to flash flooding.
Trend
increasing
Suburb
Pearces Creek, NSW
Overall Risk
Medium
Postcode
2477
Highest high-risk exposure
13.8% of land (bushfire)

Flood Risk Analysis

Pearces 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.

The area has experienced several flood events in the past, highlighting the need for improved flood management strategies.

Pearces Creek faces a moderate risk of flooding. This risk is primarily due to its location within a catchment area and proximity to waterways. Local rainfall patterns can lead to 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.

Pearces Creek sits within ClimateNest's suburb-level hazard model for flood risk. 8.4% of the suburb's land area is mapped in high-risk flood zones and 76.5% 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 Pearces Creek.

Pearces Creek (postcode 2477) 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 (13.8% of land in high-risk zones), surface flood (9.3% of land in high-risk zones), riverine flood (8.4% of land in high-risk zones). Exposure is not uniform across Pearces Creek — 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 WaterwayWilsons River
Elevation Range50-100m
Flood Zone ClassificationPartially within flood zone

Historical Events

2022
Major

Severe flooding impacted the region, causing widespread damage and displacement.

2017
Moderate

Flooding caused damage to infrastructure and homes in low-lying areas.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Upgrade drainage systems and build flood barriers to protect properties from flood damage.

Est. cost: High

Bushfire Preparedness

Immediate

Implement regular bushfire risk reduction activities, such as clearing vegetation around homes and creating firebreaks.

Est. cost: Medium

Heatwave Action Plan

Near-term

Develop a community heatwave action plan to protect vulnerable residents during extreme heat events.

Est. cost: Low

Community Education Programs

Long-term

Conduct community workshops and awareness campaigns on climate risks and adaptation strategies.

Est. cost: Low

Council & Emergency Services

Lismore City Council
Emergency Services

Data last updated: 21 May 2026

Explore Pearces Creek Risk Reports

Frequently Asked Questions

Is Pearces Creek at risk of flooding?

Based on available data, Pearces Creek 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 Pearces Creek?

Insurance costs for flood cover in Pearces 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 Pearces Creek?

Yes, flood risk can affect property values in Pearces 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 Pearces Creek?

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

ClimateNest's hazard overlay maps 13.8% of Pearces Creek in high-risk zones for bushfire, with a further 68.7% 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 Pearces Creek Safe from Climate Risk?

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