Flood Risk in South Tamworth, NSW: 2026 Assessment

South Tamworth, New South Wales· UNKNOWN
South Tamworth faces a moderate risk of flooding, primarily from the Peel River. Increased rainfall intensity and altered river flows due to climate change are expected to exacerbate this risk.Updated 26 May 2026

Flood Risk Score

6.0/10

South Tamworth faces a moderate risk of flooding, primarily from the Peel River. Increased rainfall intensity and altered river flows due to climate change are expected to exacerbate this risk.

Key Facts

Flood Risk
South Tamworth faces a moderate risk of flooding, primarily from the Peel River. Increased rainfall intensity and altered river flows due to climate change are expected to exacerbate this risk.
Trend
increasing
Suburb
South Tamworth, NSW
Overall Risk
Medium
Postcode
2340
Highest high-risk exposure
18% of land (bushfire)

Flood Risk Analysis

South Tamworth, 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.

Historical flood events have impacted properties along the Peel River. Council maintains flood maps and provides information on flood preparedness.

South Tamworth faces a moderate risk of flooding, primarily from the Peel River. Increased rainfall intensity and altered river flows due to climate change are expected to exacerbate this 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.

South Tamworth sits within ClimateNest's suburb-level hazard model for flood risk. 8.6% of the suburb's land area is mapped in high-risk flood zones and 83.3% 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 South Tamworth.

South Tamworth (postcode 2340) 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 (18% of land in high-risk zones), surface flood (10.4% of land in high-risk zones), riverine flood (8.6% of land in high-risk zones). Exposure is not uniform across South Tamworth — 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 WaterwayPeel River
Elevation Range300-350m
Flood Zone ClassificationAreas adjacent to the Peel River are designated as flood zones.

Historical Events

2011
Moderate

Significant flooding of the Peel River impacted low-lying areas of South Tamworth.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Invest in infrastructure to mitigate flood risk, such as levees and improved drainage systems.

Est. cost: High

Enhance Bushfire Preparedness

Near-term

Implement community education programs and improve bushfire management practices.

Est. cost: Medium

Develop Heatwave Response Plan

Immediate

Establish cooling centers and provide support to vulnerable populations during heatwaves.

Est. cost: Low

Promote Water Conservation

Long-term

Implement water restrictions and encourage water-efficient practices to address drought conditions.

Est. cost: Low

Council & Emergency Services

Tamworth Regional Council
Emergency Services

Data last updated: 26 May 2026

Explore South Tamworth Risk Reports

Frequently Asked Questions

Is South Tamworth at risk of flooding?

Based on available data, South Tamworth 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 South Tamworth?

Insurance costs for flood cover in South Tamworth 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 South Tamworth?

Yes, flood risk can affect property values in South Tamworth. 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 South Tamworth?

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

ClimateNest's hazard overlay maps 18% of South Tamworth in high-risk zones for bushfire, with a further 53.8% 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 South Tamworth Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for South Tamworth, 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