Is Phegans Bay, NSW Climate Safe? 2026 Assessment
Climate Safety Score
5.8/10Moderate climate risk — address-specific
Key Facts
- Climate Safety
- Medium
- Flood
- Phegans Bay is susceptible to flooding due to its low-lying areas and proximity to waterways. Intense rainfall events can lead to stormwater runoff exceeding drainage capacity, causing inundation of properties.
- Bushfire
- 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.
- Heat
- Phegans Bay is projected to experience more frequent and intense heatwaves. Higher average temperatures and prolonged periods of extreme heat can pose health risks, especially for vulnerable populations.
- Storm
- Moderate storm risk — East Coast Lows bring severe weather including hail and damaging winds
- Postcode
- 2256
- Highest high-risk exposure
- 12.8% of land (bushfire)
Climate Safety Analysis
Phegans Bay in New South Wales has an overall climate safety rating of Medium. This multi-hazard assessment combines flood, bushfire, heat, coastal, and storm risk data with climate projections to 2050 from CSIRO and the Bureau of Meteorology.
Key factors affecting Phegans Bay's climate safety include heat, flood, coastal. Each hazard is assessed independently and combined for an overall picture. Australia has warmed by approximately 1.5 °C since 1910, with flow-on effects to fire weather, extreme rainfall, and heatwave frequency.
Climate safety for property in Phegans Bay is not uniform — it varies by address. Factors such as elevation, distance to waterways, proximity to bushland, and local drainage all influence actual risk at a specific property. Two nearby properties can have materially different risk profiles.
For a complete property-specific climate safety report for Phegans Bay including address-level hazard mapping, insurance outlook, and adaptation recommendations, use the ClimateNest full analysis tool.
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
Historical Events
A prolonged heatwave resulted in high temperatures and increased demand for cooling, placing stress on the electricity grid.
A severe storm brought strong winds and heavy rain, causing damage to trees and power outages in the area.
A bushfire near Phegans Bay caused smoke haze and required firefighting efforts to contain the blaze.
Heavy rainfall caused flooding in low-lying areas of Phegans Bay, impacting several properties.
Adaptation & Mitigation Actions
Improve stormwater drainage
Near-termUpgrade stormwater drainage infrastructure to handle increased rainfall intensity and reduce the risk of flooding.
Est. cost: Medium
Implement coastal protection measures
Long-termConstruct 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
ImmediateCreate a community-based heatwave response plan to protect vulnerable populations during extreme heat events.
Est. cost: Low
Enhance bushfire preparedness
Near-termImplement bushfire mitigation measures, such as vegetation clearing and community education programs, to reduce the risk of bushfires.
Est. cost: Medium
Council & Emergency Services
Explore Phegans Bay Risk Reports
View other climate risk assessments for Phegans Bay:
Frequently Asked Questions
Is Phegans Bay safe from climate change?
No location in Australia is entirely immune to climate change impacts. Phegans Bay has an overall Medium climate risk rating. Understanding the specific hazards at your property address — not just the suburb average — provides the most reliable risk picture.
Which climate hazard poses the biggest risk in Phegans Bay?
The dominant hazard for Phegans Bay depends on geography and local environment. Proximity to waterways elevates flood risk, while proximity to bushland increases bushfire risk. ClimateNest's multi-hazard analysis identifies the highest-risk hazards for any specific address.
How does Phegans Bay compare to nearby suburbs for climate safety?
Nearby suburbs may have different climate risk profiles depending on elevation, vegetation cover, drainage patterns, and land use. ClimateNest allows comparison of climate safety scores across New South Wales suburbs.
Should I be concerned about buying property in Phegans Bay?
Climate risk should be one factor in your decision, alongside price, location, and amenity. An informed buyer understands the specific risks at a property address and factors insurance costs and climate projections into their assessment of long-term value.
What climate projections should I know for Phegans Bay?
Key projections for New South Wales from CSIRO include increased average temperatures, more frequent hot days, changes in rainfall seasonality, longer fire seasons, and potential increases in extreme rainfall intensity. These trends inform the long-term outlook for Phegans Bay.
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?
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