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Climate Risk Profile: Splitters Creek, NSW

Splitters Creek, New South Wales
High Risk
Updated Apr 2026

Splitters Creek faces increasing risks from bushfires, floods, and heatwaves due to climate change. The suburb's location and environmental factors contribute to its vulnerability. Residents should prepare for more frequent and intense extreme weather events.

Overall Risk Score

72/100
High

Confidence: Medium

Hazard Breakdown

Flood
6.8
Bushfire
8.1
Heat
6.5
Coastal
2.0

Climate Hazard Breakdown for Splitters Creek

increasing

Flood

68/100

Splitters Creek faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to riverine and flash flooding.

Key drivers:

  • ·Increased rainfall intensity
  • ·Urban development
increasing

Bushfire

81/100

The area around Splitters Creek is susceptible to bushfires, particularly during dry periods. The presence of vegetation increases the risk of fire ignition and spread.

Key drivers:

  • ·Drier conditions
  • ·Increased fuel load
increasing

Heat

65/100

Splitters Creek experiences moderately high temperatures during summer, with potential for heatwaves. Vulnerable populations may be at risk during extreme heat events.

Key drivers:

  • ·Climate change
  • ·Urban heat island effect
stable

Coastal

20/100

Splitters Creek is not directly exposed to coastal hazards, but may experience indirect impacts from sea level rise and coastal storms.

Key drivers:

  • ·Sea level rise
  • ·Storm surge
stable

Wind

40/100

Moderate wind risk — East Coast Lows and gust fronts

stable

Storm

55/100

Moderate storm risk — severe thunderstorms and hail

stable

Social

30/100

Moderate social stability — mixed urban density

increasing

Energy

50/100

Moderate energy costs — climate-driven cooling demand

In-Depth Climate Risk Guides for Splitters Creek

Should I Buy

Property buying guide with climate risk assessment

Flood Risk

Flood zone mapping, historical events, and projections

Bushfire Risk

BAL assessment, vegetation proximity, and fire history

Climate Safety

Multi-hazard safety assessment to 2050

Storm Risk

Severe weather, hail, and wind risk analysis

Heat Risk

Extreme heat days, urban heat island, and cooling costs

Insurance Costs

Premium estimates and insurance availability

Investment Score

Climate-adjusted property investment analysis

Detailed Hazard Analysis

heat Risk

65/100

Splitters Creek experiences moderately high temperatures during summer, with potential for heatwaves. Vulnerable populations may be at risk during extreme heat events.

Primary Drivers

  • ·Climate change
  • ·Urban heat island effect

Projections (RCP8.5)

2030

6.9

2050

7.4

Data source

flood Risk

68/100

Splitters Creek faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to riverine and flash flooding.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Urban development
  • ·Climate change

Projections (RCP8.5)

2030

7.2

2050

7.8

Data source

coastal Risk

20/100

Splitters Creek is not directly exposed to coastal hazards, but may experience indirect impacts from sea level rise and coastal storms.

Primary Drivers

  • ·Sea level rise
  • ·Storm surge

Projections (RCP8.5)

2030

2.2

2050

2.5

Data source

bushfire Risk

81/100

The area around Splitters Creek is susceptible to bushfires, particularly during dry periods. The presence of vegetation increases the risk of fire ignition and spread.

Primary Drivers

  • ·Drier conditions
  • ·Increased fuel load
  • ·Higher temperatures

Projections (RCP8.5)

2030

8.5

2050

8.9

Data source

What This Means for Property Owners

Insurance Outlook

Premiums may increase due to climate risks

Price Impact

Potential for decreased property values in high-risk areas

Buyer Checklist

  • 1.Check flood maps and bushfire prone area designations
  • 2.Assess property's vulnerability to heatwaves
  • 3.Inquire about insurance costs and coverage
  • 4.Review local council's climate adaptation plans

Local Climate Evidence

Flood Evidence

Nearest Waterway
Local creeks and streams
Elevation Range
Variable, with some low-lying areas
Flood Zone
Potentially affected by riverine and flash flooding

Local drainage infrastructure may be inadequate to handle extreme rainfall events.

View council flood map

Bushfire Evidence

Distance to Bushland
Adjacent to bushland areas
Planning Overlay
Check NSW RFS website for current bushfire prone area maps
Bushfire Prone Area
Yes

Residents should maintain firebreaks and have a bushfire survival plan.

Heat Evidence

Avg January Max Temp
32.5°C
Heat Stress Days/Year
3 days

Urban areas may experience higher temperatures due to the urban heat island effect.

Coastal Evidence

Distance to Coast
150 km
Sea Level Rise Exposure
Indirectly exposed through supply chain disruptions
Erosion Risk
Low

Historical Climate Events

2013
floodModerate

Heavy rainfall caused localized flooding in Splitters Creek, affecting several homes and businesses.

Source
2019
bushfireMajor

Bushfires in the region caused significant smoke haze and elevated fire danger in Splitters Creek.

Source
2017
heatwaveModerate

A prolonged heatwave resulted in increased demand for electricity and strain on local healthcare services.

Source
2020
floodMinor

Minor flooding occurred after a period of heavy rainfall, impacting low-lying areas.

Source

Climate Outlook to 2050

Projections based on CSIRO and BOM climate modelling. Scenario: RCP8.5

HazardToday20302050
flood689.8(+3.0)12.8(+6.0)
bushfire8112.1(+4.0)15.1(+7.0)
heat658.5(+2.0)11.5(+5.0)
coastal202.03.0(+1.0)

By 2030, Splitters Creek is projected to experience more frequent and intense bushfires and floods, along with hotter summers. The overall risk score increases by 5 points under the RCP8.5 scenario.

CSIRO Climate Projections

Adaptation Recommendations

Improve drainage infrastructure

Near-term

Upgrade local drainage systems to better manage stormwater runoff and reduce the risk of flooding.

Est. cost: Medium

Learn more

Implement bushfire mitigation measures

Immediate

Clear vegetation around homes and create firebreaks to reduce the risk of bushfire damage.

Est. cost: Low

Learn more

Develop a heatwave response plan

Near-term

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

Est. cost: Medium

Learn more

Promote water conservation

Long-term

Encourage residents to conserve water to reduce strain on water resources during droughts.

Est. cost: Low

Learn more

Strengthen community resilience

Near-term

Establish community support networks and educate residents about climate risks and adaptation measures.

Est. cost: Low

Learn more

About Splitters Creek's Climate Risk Profile

Splitters Creek, NSW, is increasingly vulnerable to the impacts of climate change. The primary risks include bushfires, flooding, and heatwaves, all of which are projected to worsen in the coming decades.

The risk of bushfires is particularly high due to the surrounding vegetation and increasingly dry conditions. Higher temperatures and prolonged droughts create ideal conditions for fire ignition and spread, threatening homes and infrastructure.

Flooding is another significant concern, with intense rainfall events capable of causing both riverine and flash flooding. Low-lying areas are especially vulnerable, and the risk is exacerbated by urban development and inadequate drainage systems.

Heatwaves pose a threat to vulnerable populations, including the elderly and those with pre-existing health conditions. As temperatures rise, the risk of heatstroke and other heat-related illnesses increases.

While Splitters Creek is not directly on the coast, it may experience indirect impacts from coastal hazards such as sea level rise and coastal storms. These events can disrupt supply chains and damage infrastructure, affecting the suburb's economy and quality of life.

Data sources: BOM · CSIRO · NSW RFS · NSW SES · NSW Environment

Local Government Resources

UNKNOWN

Climate StrategyFlood MapsEmergency Services

Frequently Asked Questions

What are the main climate risks facing Splitters Creek?

Splitters Creek is primarily at risk from bushfires, flooding, and heatwaves, all of which are projected to worsen due to climate change.

How can I prepare my home for a bushfire?

Clear vegetation around your home, create firebreaks, and have a bushfire survival plan in place. Check the NSW RFS website for more information.

What should I do during a heatwave?

Stay indoors in a cool place, drink plenty of water, and check on vulnerable neighbors. Visit the NSW Health website for more information.

Where can I find information about local flood risks?

Check the local council's website for flood maps and information about flood preparedness. You can also visit the NSW SES website.

What is the council doing to address climate change?

The council is developing a climate strategy to reduce emissions and adapt to the impacts of climate change. Visit the council's website for more information.

Will climate change affect my property value in Splitters Creek?

Potentially, yes. Properties in high-risk areas may experience decreased property values due to increased insurance costs and concerns about climate risks.

Get your property's risk report

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Analyse a Property in Splitters Creek →

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30-120%
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