Is Phillip Bay, NSW Climate Safe? 2026 Assessment
Climate Safety Score
5.8/10Moderate climate risk — address-specific
Key Facts
- Climate Safety
- Medium
- Flood
- Phillip Bay faces a moderate risk of flooding due to its proximity to coastal areas and waterways. Intense rainfall events can lead to stormwater runoff and potential inundation of low-lying areas.
- Bushfire
- The bushfire risk in Phillip Bay is moderate, with some areas adjacent to bushland potentially exposed. Drier conditions and higher temperatures can increase the likelihood of bushfires.
- Heat
- Phillip Bay is likely to experience more frequent and intense heatwaves. Higher average temperatures can pose health risks, especially for vulnerable populations.
- Storm
- Moderate storm risk — East Coast Lows bring severe weather including hail and damaging winds
- Postcode
- 2036
- Highest high-risk exposure
- 13.1% of land (bushfire)
Climate Safety Analysis
Phillip 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 Phillip 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 Phillip 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 Phillip Bay including address-level hazard mapping, insurance outlook, and adaptation recommendations, use the ClimateNest full analysis tool.
Phillip Bay (postcode 2036) 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 (13.1% of land in high-risk zones), surface flood (7.2% of land in high-risk zones), coastal inundation (5.6% of land in high-risk zones). Exposure is not uniform across Phillip 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
Heavy rainfall caused localized flooding in low-lying areas of Phillip Bay.
A prolonged heatwave resulted in increased hospital admissions and strain on infrastructure.
A severe storm caused damage to coastal properties and infrastructure.
Adaptation & Mitigation Actions
Improve stormwater drainage
Near-termUpgrade stormwater infrastructure to reduce the risk of flooding during heavy rainfall events.
Est. cost: Medium
Implement coastal protection measures
Long-termConstruct seawalls and other coastal defenses to protect properties from sea level rise and storm surges.
Est. cost: High
Promote energy efficiency
ImmediateEncourage residents to adopt energy-efficient appliances and practices to reduce greenhouse gas emissions.
Est. cost: Low
Develop a community emergency plan
Near-termCreate a plan to prepare for and respond to extreme weather events, including evacuation procedures and communication strategies.
Est. cost: Low
Council & Emergency Services
Explore Phillip Bay Risk Reports
View other climate risk assessments for Phillip Bay:
Frequently Asked Questions
Is Phillip Bay safe from climate change?
No location in Australia is entirely immune to climate change impacts. Phillip 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 Phillip Bay?
The dominant hazard for Phillip 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 Phillip 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 Phillip 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 Phillip 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 Phillip Bay.
What share of Phillip Bay is exposed to high bushfire risk?
ClimateNest's hazard overlay maps 13.1% of Phillip Bay in high-risk zones for bushfire, with a further 64.2% 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 Phillip Bay Safe from Climate Risk?
Enter your address below for an instant climate risk assessment for Phillip Bay, New South Wales, covering flood, bushfire, sea level rise and more.
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Full report from A$69 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections