Flood Risk in Suntop, NSW: 2026 Assessment

Suntop, New South Wales· Mid-Western Regional
Suntop faces a moderate risk of flooding, primarily from heavy rainfall events and local creek overflows.Updated 29 May 2026

Flood Risk Score

4.0/10

Suntop faces a moderate risk of flooding, primarily from heavy rainfall events and local creek overflows.

Key Facts

Flood Risk
Suntop faces a moderate risk of flooding, primarily from heavy rainfall events and local creek overflows.
Trend
increasing
Suburb
Suntop, NSW
Overall Risk
Medium
Postcode
2820
Highest high-risk exposure
8.5% of land (bushfire)

Flood Risk Analysis

Suntop, 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.

Local creeks may overflow during heavy rainfall events.

Suntop faces a moderate risk of flooding, primarily from heavy rainfall events and local creek overflows.

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.

Suntop sits within ClimateNest's suburb-level hazard model for flood risk. 5.2% of the suburb's land area is mapped in high-risk flood zones and 82.9% 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 Suntop.

Suntop (postcode 2820) 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 (8.5% of land in high-risk zones), surface flood (5.5% of land in high-risk zones), riverine flood (5.2% of land in high-risk zones). Exposure is not uniform across Suntop — 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
Elevation Range400-450m
Flood Zone ClassificationLow-lying areas near creeks

Historical Events

2016
Moderate

Heavy rainfall caused flooding in low-lying areas near Suntop.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Install flood barriers and improve drainage systems to protect properties from flooding.

Est. cost: Medium

Bushfire Preparedness

Immediate

Clear vegetation around properties and develop a bushfire survival plan.

Est. cost: Low

Heatwave Preparedness

Near-term

Install air conditioning and ensure access to cooling centers during heatwaves.

Est. cost: Medium

Community Education

Long-term

Conduct community workshops on climate risks and adaptation strategies.

Est. cost: Low

Council & Emergency Services

Mid-Western Regional Council
Emergency Services

Data last updated: 29 May 2026

Explore Suntop Risk Reports

Frequently Asked Questions

Is Suntop at risk of flooding?

Based on available data, Suntop 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 Suntop?

Insurance costs for flood cover in Suntop 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 Suntop?

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

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

ClimateNest's hazard overlay maps 8.5% of Suntop in high-risk zones for bushfire, with a further 73.1% 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 Suntop Safe from Climate Risk?

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