๐Ÿ“ฎ Talmalmo postcode: 2640

Flood Risk in Talmalmo, NSW: 2026 Assessment

Talmalmo, New South Walesยท Greater Hume Shireยท 2640
Talmalmo faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially worsening flood events.Updated 8 May 2026

Flood Risk Score

6.0/10

Talmalmo faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially worsening flood events.

Key Facts

Flood Risk
Talmalmo faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially worsening flood events.
Trend
increasing
Suburb
Talmalmo, NSW
Overall Risk
Medium
Postcode
2640
Highest high-risk exposure
12.7% of land (surface flood)

Flood Risk Analysis

Talmalmo, 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 data indicates that Talmalmo has experienced several moderate flood events in the past. Improved drainage infrastructure is needed to mitigate future risks.

Talmalmo faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. 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.

Talmalmo sits within ClimateNest's suburb-level hazard model for flood risk. 9.7% of the suburb's land area is mapped in high-risk flood zones and 80.4% 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 Talmalmo.

Talmalmo (postcode 2640) 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 surface flood (12.7% of land in high-risk zones), riverine flood (9.7% of land in high-risk zones), bushfire (8.9% of land in high-risk zones). Exposure is not uniform across Talmalmo 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 WaterwayMurray River
Elevation Range160-180m
Flood Zone ClassificationAreas near the Murray River are prone to flooding.

Historical Events

2022
Moderate

Heavy rainfall caused localized flooding in Talmalmo, affecting some residential areas.

2012
Moderate

Moderate flooding occurred along the Murray River, impacting low-lying areas in and around Talmalmo.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Upgrade drainage infrastructure and construct levees to protect properties from flooding.

Est. cost: Medium

Enhance Bushfire Preparedness

Near-term

Implement vegetation management programs and improve community awareness of bushfire risks.

Est. cost: Low

Develop Heat Action Plan

Immediate

Establish cooling centers and provide public education on heatwave safety.

Est. cost: Low

Promote Water Conservation

Long-term

Encourage water-efficient practices to mitigate the impacts of drought and heatwaves.

Est. cost: Low

Strengthen Emergency Response

Immediate

Improve coordination between emergency services and community organizations to respond effectively to climate-related disasters.

Est. cost: Medium

Council & Emergency Services

Greater Hume Shire Council
Emergency Services

Data last updated: 8 May 2026

Explore Talmalmo Risk Reports

Frequently Asked Questions

Is Talmalmo at risk of flooding?

Based on available data, Talmalmo 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 Talmalmo?

Insurance costs for flood cover in Talmalmo 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 Talmalmo?

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

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

ClimateNest's hazard overlay maps 12.7% of Talmalmo in high-risk zones for surface flood, with a further 74.7% 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 Talmalmo Safe from Climate Risk?

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