๐Ÿ“ฎ Smithfield postcode: 2164

Flood Risk in Smithfield, NSW: 2026 Assessment

Smithfield, New South Walesยท Cumberlandยท 2164
Smithfield faces a moderate risk of flooding due to its proximity to waterways and relatively flat terrain. Climate change is expected to increase rainfall intensity, potentially worsening flood events.Updated 7 May 2026

Flood Risk Score

6.0/10

Smithfield faces a moderate risk of flooding due to its proximity to waterways and relatively flat terrain. Climate change is expected to increase rainfall intensity, potentially worsening flood events.

Key Facts

Flood Risk
Smithfield faces a moderate risk of flooding due to its proximity to waterways and relatively flat terrain. Climate change is expected to increase rainfall intensity, potentially worsening flood events.
Trend
increasing
Suburb
Smithfield, NSW
Overall Risk
Medium
Postcode
2164
Highest high-risk exposure
9.5% of land (bushfire)

Flood Risk Analysis

Smithfield, 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.

Parts of Smithfield are susceptible to flash flooding during intense rainfall events. Drainage infrastructure upgrades are needed to improve stormwater management.

Smithfield faces a moderate risk of flooding due to its proximity to waterways and relatively flat terrain. Climate change is expected to increase rainfall intensity, potentially worsening flood events.

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.

Smithfield sits within ClimateNest's suburb-level hazard model for flood risk. 6.7% of the suburb's land area is mapped in high-risk flood zones and 83.7% 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 Smithfield.

Smithfield (postcode 2164) 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 (9.5% of land in high-risk zones), surface flood (7% of land in high-risk zones), riverine flood (6.7% of land in high-risk zones). Exposure is not uniform across Smithfield 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 WaterwayOrchardleigh Creek
Elevation Range10-20m
Flood Zone ClassificationPartially within a 1 in 100 year flood zone

Historical Events

2022
Moderate

Heavy rainfall caused flash flooding in parts of Smithfield, leading to road closures and property damage.

2016
Minor

Localized flooding occurred after a period of heavy rainfall.

Adaptation & Mitigation Actions

Upgrade stormwater drainage infrastructure

Near-term

Invest in improved drainage systems to reduce the risk of flash flooding during heavy rainfall events.

Est. cost: High

Increase green spaces and tree canopy cover

Near-term

Plant more trees and create green spaces to reduce the urban heat island effect and provide shade during heatwaves.

Est. cost: Medium

Implement a heatwave early warning system

Immediate

Develop a system to alert residents of impending heatwaves and provide advice on how to stay safe.

Est. cost: Low

Retrofit homes with energy-efficient features

Long-term

Encourage residents to install insulation, double-glazed windows, and solar panels to reduce energy consumption and improve thermal comfort.

Est. cost: Medium

Community education programs

Immediate

Run workshops and distribute information on preparing for floods, bushfires and heatwaves.

Est. cost: Low

Council & Emergency Services

Cumberland City Council
Emergency Services

Data last updated: 7 May 2026

Explore Smithfield Risk Reports

Frequently Asked Questions

Is Smithfield at risk of flooding?

Based on available data, Smithfield 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 Smithfield?

Insurance costs for flood cover in Smithfield 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 Smithfield?

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

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

ClimateNest's hazard overlay maps 9.5% of Smithfield in high-risk zones for bushfire, with a further 68.8% 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 Smithfield Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Smithfield, 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