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Climate Risk Assessment: Terramungamine, NSW

Terramungamine, New South Wales
Medium Risk
Updated May 2026

Terramungamine faces increasing risks from flooding, bushfires, and heatwaves due to climate change. Residents should prepare for more frequent extreme weather events.

Overall Risk Score

55/100
Medium

Confidence: Medium

Hazard Breakdown

Flood
6.0
Bushfire
7.0
Heat
4.0
Coastal
1.0

Climate Hazard Breakdown for Terramungamine

increasing

Flood

60/100

Terramungamine faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Increased rainfall intensity could exacerbate flood events.

Key drivers:

  • ·Increased rainfall intensity
  • ·Riverine flooding
increasing

Bushfire

70/100

The area around Terramungamine is susceptible to bushfires, particularly during dry periods. Climate change is expected to increase the frequency and intensity of bushfire weather.

Key drivers:

  • ·Increased temperatures
  • ·Drier conditions
increasing

Heat

40/100

Terramungamine is likely to experience more frequent and intense heatwaves. This poses a risk to vulnerable populations and infrastructure.

Key drivers:

  • ·Rising average temperatures
  • ·Increased frequency of heatwaves
stable

Coastal

10/100

Terramungamine is not directly exposed to coastal hazards.

stable

Wind

28/100

Moderate wind risk — East Coast Lows and gust fronts

stable

Storm

39/100

Moderate storm risk — severe thunderstorms and hail

stable

Social

21/100

Moderate social stability — mixed urban density

increasing

Energy

35/100

Moderate energy costs — climate-driven cooling demand

In-Depth Climate Risk Guides for Terramungamine

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

40/100

Terramungamine is likely to experience more frequent and intense heatwaves. This poses a risk to vulnerable populations and infrastructure.

Primary Drivers

  • ·Rising average temperatures
  • ·Increased frequency of heatwaves

Projections (RCP8.5)

2030

4.5

2050

5.0

Data source

flood Risk

60/100

Terramungamine faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Increased rainfall intensity could exacerbate flood events.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Riverine flooding
  • ·Inadequate drainage

Projections (RCP8.5)

2030

6.5

2050

7.0

Data source

coastal Risk

10/100

Terramungamine is not directly exposed to coastal hazards.

Projections (N/A)

2030

1.0

2050

1.0

Data source

bushfire Risk

70/100

The area around Terramungamine is susceptible to bushfires, particularly during dry periods. Climate change is expected to increase the frequency and intensity of bushfire weather.

Primary Drivers

  • ·Increased temperatures
  • ·Drier conditions
  • ·Fuel load

Projections (RCP8.5)

2030

7.5

2050

8.0

Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums are likely to increase due to the rising risk of extreme weather events.

Price Impact

Properties in high-risk areas may experience a decrease in value.

Buyer Checklist

  • 1.Check flood maps and bushfire prone area designations.
  • 2.Assess the property's vulnerability to extreme weather events.
  • 3.Obtain adequate insurance coverage.
  • 4.Develop an emergency plan.

Local Climate Evidence

Flood Evidence

Nearest Waterway
Macquarie River
Elevation Range
250-300m
Flood Zone
Areas near the Macquarie River are prone to flooding.

Historical flood data indicates periodic inundation of low-lying areas.

View council flood map

Bushfire Evidence

Distance to Bushland
Adjacent to state forests
Planning Overlay
RFS Bush Fire Prone Land Map
Bushfire Prone Area
Yes

The area has a history of bushfire activity, particularly during prolonged dry periods.

Heat Evidence

Avg January Max Temp
33.5°C
Heat Stress Days/Year
3 days

Heatwaves are becoming more frequent and intense in the region.

Coastal Evidence

Distance to Coast
400 km
Sea Level Rise Exposure
Not applicable
Erosion Risk
Not applicable

Historical Climate Events

2010
floodModerate

The Macquarie River experienced moderate flooding, impacting low-lying areas around Terramungamine.

Source
2013
bushfireModerate

Bushfires in the surrounding region caused smoke haze and elevated fire danger in Terramungamine.

Source
2017
heatwaveModerate

A prolonged heatwave resulted in high temperatures and heat stress for residents.

Source
2019
droughtMajor

Severe drought conditions impacted agricultural activities and water resources in the region.

Source

Climate Outlook to 2050

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

HazardToday20302050
flood606.5(+0.5)7.0(+1.0)
bushfire707.5(+0.5)8.0(+1.0)
heat404.5(+0.5)5.0(+1.0)
coastal101.01.0

By 2030, Terramungamine is projected to experience a moderate increase in overall climate risk, with notable increases in flood, bushfire, and heatwave risks.

CSIRO Climate Projections

Adaptation Recommendations

Improve Flood Defenses

Near-term

Upgrade drainage infrastructure and implement flood control measures to reduce the impact of flooding.

Est. cost: Medium

Learn more

Bushfire Preparedness

Immediate

Implement bushfire mitigation strategies, such as fuel reduction and community education programs.

Est. cost: Medium

Learn more

Heatwave Action Plan

Near-term

Develop and implement a heatwave action plan to protect vulnerable populations during extreme heat events.

Est. cost: Low

Learn more

Water Conservation

Long-term

Promote water conservation measures to ensure a sustainable water supply during periods of drought.

Est. cost: Low

Learn more

About Terramungamine's Climate Risk Profile

Terramungamine, located in New South Wales, is projected to experience a range of climate change impacts over the coming decades. These include increased temperatures, altered rainfall patterns, and a higher frequency of extreme weather events such as heatwaves, floods, and bushfires.

The risk of flooding is expected to increase due to more intense rainfall events. This could lead to damage to property and infrastructure, as well as disruptions to transportation and essential services. Residents should be aware of flood risks and take steps to protect their homes and businesses.

Bushfire risk is also projected to increase, particularly during the dry season. Higher temperatures and drier conditions will create a more favorable environment for bushfires to start and spread. Residents should be prepared for bushfires and have a plan in place to evacuate if necessary.

Heatwaves are expected to become more frequent and intense, posing a risk to vulnerable populations such as the elderly and those with chronic health conditions. Residents should take steps to stay cool during heatwaves, such as drinking plenty of water and spending time in air-conditioned environments.

While Terramungamine is not a coastal suburb, the broader impacts of climate change, such as disruptions to supply chains and increased migration, could still affect the community.

Data sources: BOM · CSIRO · NSW RFS

Local Government Resources

UNKNOWN

Climate StrategyFlood MapsEmergency Services

Frequently Asked Questions

What are the main climate change risks for Terramungamine?

The main climate change risks for Terramungamine are increased flooding, more frequent and intense bushfires, and more severe heatwaves.

How will climate change affect property values in Terramungamine?

Properties in high-risk areas may experience a decrease in value due to the increased risk of extreme weather events.

What can I do to prepare for increased flooding in Terramungamine?

You can take steps to protect your home from flooding, such as elevating appliances and storing valuables above flood level. You should also have an emergency plan in place.

How can I protect myself during a heatwave in Terramungamine?

During a heatwave, you should stay cool by drinking plenty of water, spending time in air-conditioned environments, and avoiding strenuous activity.

Where can I find more information about climate change risks in Terramungamine?

You can find more information about climate change risks from the Bureau of Meteorology, CSIRO, and the NSW Rural Fire Service.

Get your property's risk report

This suburb assessment covers the area. For a precise address-level climate risk report for any specific property in Terramungamine, use our analysis tool.

Analyse a Property in Terramungamine →

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$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

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