📮 Phegans Bay postcode: 2256

Bushfire Risk in Phegans Bay, NSW: 2026 Assessment

Phegans Bay, New South Wales· Central Coast· 2256
The area surrounding Phegans Bay has some bushfire risk due to the presence of nearby bushland. While not as high as other areas, dry conditions and strong winds can increase the potential for bushfires.Updated 8 May 2026

Bushfire Risk Score

4.2/10

The area surrounding Phegans Bay has some bushfire risk due to the presence of nearby bushland. While not as high as other areas, dry conditions and strong winds can increase the potential for bushfires.

Key Facts

Bushfire Risk
The area surrounding Phegans Bay has some bushfire risk due to the presence of nearby bushland. While not as high as other areas, dry conditions and strong winds can increase the potential for bushfires.
Trend
stable
Suburb
Phegans Bay, NSW
Overall Risk
Medium
Postcode
2256
Highest high-risk exposure
12.8% of land (bushfire)

Bushfire Risk Analysis

Phegans Bay, New South Wales, has a the area surrounding phegans bay has some bushfire risk due to the presence of nearby bushland. while not as high as other areas, dry conditions and strong winds can increase the potential for bushfires. bushfire risk profile. Key factors include distance to classified bushland, vegetation type, slope, and historical bushfire activity in the region. The New South Wales fire authority maps bushfire-prone areas and assigns BAL (Bushfire Attack Level) ratings.

Residents should maintain their properties by clearing dry vegetation and having a bushfire survival plan.

CSIRO research indicates climate change is extending fire seasons and increasing the number of severe fire weather days across southern and eastern Australia. For Phegans Bay, this may mean shifts in bushfire risk levels over the coming decades, making property-level BAL assessment increasingly important.

Use ClimateNest for a complete address-level bushfire risk report for Phegans Bay including BAL zone assessment, evacuation route mapping, and property-specific risk mitigation recommendations.

Phegans Bay sits within ClimateNest's suburb-level hazard model for bushfire risk. 12.8% of the suburb's land area is mapped in high-risk bushfire zones and 81.9% 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 Phegans Bay.

Phegans Bay (postcode 2256) 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 (12.8% of land in high-risk zones), surface flood (7.1% of land in high-risk zones), extreme wind (4.9% of land in high-risk zones). Exposure is not uniform across Phegans Bay — 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

Distance to BushlandWithin 1km of bushland areas
BAL Overlay / ZoneCheck NSW RFS website for current bushfire prone areas.
Bushfire Prone AreaYes

Historical Events

2013
Minor

A bushfire near Phegans Bay caused smoke haze and required firefighting efforts to contain the blaze.

Adaptation & Mitigation Actions

Improve stormwater drainage

Near-term

Upgrade stormwater drainage infrastructure to handle increased rainfall intensity and reduce the risk of flooding.

Est. cost: Medium

Implement coastal protection measures

Long-term

Construct seawalls and other coastal protection structures to mitigate the impacts of sea level rise and coastal erosion.

Est. cost: High

Develop a heatwave response plan

Immediate

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

Est. cost: Low

Enhance bushfire preparedness

Near-term

Implement bushfire mitigation measures, such as vegetation clearing and community education programs, to reduce the risk of bushfires.

Est. cost: Medium

Council & Emergency Services

Central Coast Council
Emergency Services

Data last updated: 8 May 2026

Explore Phegans Bay Risk Reports

Frequently Asked Questions

Is Phegans Bay in a bushfire prone area?

Parts of Phegans Bay may be designated as bushfire prone land. Based on available data, Phegans Bay has a notable bushfire risk. Check your specific property for BAL ratings through ClimateNest or your local council.

What BAL rating applies to properties in Phegans Bay?

BAL ratings in Phegans Bay depend on the property's distance from classified vegetation, vegetation type, and slope. A site-specific assessment under AS 3959 is required to determine the exact BAL rating for any property within the suburb.

Does bushfire risk affect insurance in Phegans Bay?

Yes, properties in bushfire-prone parts of Phegans Bay may face higher building insurance premiums. Insurers assess bushfire risk based on BAL rating, fire history, and proximity to bushland. Some insurers may restrict cover in very high-risk locations.

What bushfire mitigation measures help protect homes in Phegans Bay?

Effective bushfire mitigation includes maintaining cleared asset protection zones, using ember-proof mesh on vents, installing metal gutter guards, using non-combustible building materials, and maintaining defendable space. Consult the New South Wales fire authority for property-specific guidance.

What share of Phegans Bay is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 12.8% of Phegans Bay in high-risk zones for bushfire, with a further 81.9% 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 Phegans Bay Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Phegans Bay, 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 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections