Flood Risk in Pine Grove, NSW: 2026 Assessment

Pine Grove, New South Wales· UNKNOWN
Flooding can occur from heavy rainfall events, potentially impacting low-lying areas and properties near waterways.Updated 5 May 2026

Flood Risk Score

4.5/10

Flooding can occur from heavy rainfall events, potentially impacting low-lying areas and properties near waterways.

Key Facts

Flood Risk
Flooding can occur from heavy rainfall events, potentially impacting low-lying areas and properties near waterways.
Trend
increasing
Suburb
Pine Grove, NSW
Overall Risk
Medium
Postcode
2829
Highest high-risk exposure
14.5% of land (bushfire)

Flood Risk Analysis

Pine Grove, 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.

Check local council flood maps for specific property risks.

Flooding can occur from heavy rainfall events, potentially impacting low-lying areas and properties near waterways.

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.

Pine Grove sits within ClimateNest's suburb-level hazard model for flood risk. 9.8% of the suburb's land area is mapped in high-risk flood zones and 80.2% 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 Pine Grove.

Pine Grove (postcode 2829) 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 (14.5% of land in high-risk zones), riverine flood (9.8% of land in high-risk zones), surface flood (8.8% of land in high-risk zones). Exposure is not uniform across Pine Grove — 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 WaterwayLocal creeks and drainage systems
Elevation RangeVariable, with some low-lying areas
Flood Zone ClassificationPotentially affected areas near creeks

Historical Events

2020
Moderate

Heavy rainfall led to localized flooding in low-lying areas.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Upgrade drainage systems and implement flood-proofing measures for properties in flood-prone areas.

Est. cost: Medium

Bushfire Preparedness

Immediate

Clear vegetation around properties, develop a bushfire survival plan, and stay informed about fire danger ratings.

Est. cost: Low

Heatwave Preparedness

Near-term

Establish cooling centers, promote heat-health awareness, and ensure access to air conditioning for vulnerable residents.

Est. cost: Medium

Water Conservation

Long-term

Implement water-saving measures to reduce demand on water resources during periods of drought and heat.

Est. cost: Low

Council & Emergency Services

UNKNOWN
Emergency Services

Data last updated: 5 May 2026

Explore Pine Grove Risk Reports

Frequently Asked Questions

Is Pine Grove at risk of flooding?

Based on available data, Pine Grove 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 Pine Grove?

Insurance costs for flood cover in Pine Grove 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 Pine Grove?

Yes, flood risk can affect property values in Pine Grove. 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 Pine Grove?

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

ClimateNest's hazard overlay maps 14.5% of Pine Grove in high-risk zones for bushfire, with a further 69.7% 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 Pine Grove Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Pine Grove, 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