๐Ÿ“ฎ Scone postcode: 2337

Flood Risk in Scone, NSW: 2026 Assessment

Scone, New South Walesยท Upper Hunter Shire Councilยท 2337
Scone faces a moderate risk of flooding due to its proximity to the Hunter River and other waterways. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.Updated 2 Apr 2026

Flood Risk Score

6.5/10

Scone faces a moderate risk of flooding due to its proximity to the Hunter River and other waterways. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.

Key Facts

Flood Risk
Scone faces a moderate risk of flooding due to its proximity to the Hunter River and other waterways. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.
Trend
increasing
Suburb
Scone, NSW
Overall Risk
Medium
Postcode
2337
Highest high-risk exposure
22.9% of land (bushfire)

Flood Risk Analysis

Scone, 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 Hunter River has a history of flooding in Scone, with several major flood events recorded over the years. The local council maintains flood maps and provides information to residents about flood risks and preparedness.

Scone faces a moderate risk of flooding due to its proximity to the Hunter River and other waterways. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.

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.

Scone sits within ClimateNest's suburb-level hazard model for flood risk. 8.9% of the suburb's land area is mapped in high-risk flood zones and 79.8% 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 Scone.

Scone (postcode 2337) 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 (22.9% of land in high-risk zones), surface flood (9.5% of land in high-risk zones), riverine flood (8.9% of land in high-risk zones). Exposure is not uniform across Scone โ€” 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 WaterwayHunter River
Elevation Range180-220m
Flood Zone ClassificationAreas near the Hunter River are designated as flood zones.

Historical Events

2017
Moderate

Heavy rainfall caused flash flooding in Scone, disrupting traffic and damaging infrastructure.

2007
Moderate

The Hunter River flooded, affecting low-lying areas of Scone and causing property damage.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Invest in infrastructure to mitigate flood risks, such as levees, drainage improvements, and flood-proofing buildings.

Est. cost: High

Enhance Bushfire Preparedness

Immediate

Implement bushfire prevention programs, including fuel reduction, community education, and improved firefighting capabilities.

Est. cost: Medium

Develop Heatwave Response Plan

Near-term

Create a heatwave response plan to protect vulnerable populations, including cooling centers, public awareness campaigns, and health alerts.

Est. cost: Low

Promote Water Conservation

Long-term

Implement water conservation measures to address drought risks, such as water restrictions, rainwater harvesting, and efficient irrigation techniques.

Est. cost: Low

Strengthen Emergency Services

Immediate

Ensure that emergency services are adequately equipped and trained to respond to climate-related disasters.

Est. cost: Medium

Council & Emergency Services

Upper Hunter Shire Council
Emergency Services

Data last updated: 2 April 2026

Explore Scone Risk Reports

Frequently Asked Questions

Is Scone at risk of flooding?

Based on available data, Scone has a notable flood risk profile. Flood risk varies by address โ€” check your specific property for precise flood zone mapping and elevation data with ClimateNest.

What flood insurance costs can I expect in Scone?

Insurance costs for flood cover in Scone 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 Scone?

Yes, flood risk can affect property values in Scone. 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 Scone?

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

ClimateNest's hazard overlay maps 22.9% of Scone in high-risk zones for bushfire, with a further 56.5% in moderate-risk zones. Suburb-level exposure is not uniform โ€” individual properties can differ from these averages, so an address-level check is recommended.

Is Scone Safe from Climate Risk?

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