📮 Terrigal postcode: 2260

Bushfire Risk in Terrigal, NSW: 2026 Assessment

Terrigal, New South Wales· Central Coast· 2260
The bushfire risk in Terrigal is moderate, with bushland areas located nearby. Hot, dry conditions and strong winds can increase the likelihood of bushfires.Updated 1 Apr 2026

Bushfire Risk Score

4.2/10

The bushfire risk in Terrigal is moderate, with bushland areas located nearby. Hot, dry conditions and strong winds can increase the likelihood of bushfires.

Key Facts

Bushfire Risk
The bushfire risk in Terrigal is moderate, with bushland areas located nearby. Hot, dry conditions and strong winds can increase the likelihood of bushfires.
Trend
stable
Suburb
Terrigal, NSW
Overall Risk
Medium
Postcode
2260
Highest high-risk exposure
10.1% of land (surface flood)

Bushfire Risk Analysis

Terrigal, New South Wales, has a the bushfire risk in terrigal is moderate, with bushland areas located nearby. hot, dry conditions and strong winds can increase the likelihood of bushfires. bushfire risk profile. Key factors include distance to classified bushland, vegetation type, slope, and historical bushfire activity in the region. The New South Wales fire authority maps bushfire-prone areas and assigns BAL (Bushfire Attack Level) ratings.

Properties on the western side of Terrigal, bordering Wamberal, are at higher risk.

CSIRO research indicates climate change is extending fire seasons and increasing the number of severe fire weather days across southern and eastern Australia. For Terrigal, this may mean shifts in bushfire risk levels over the coming decades, making property-level BAL assessment increasingly important.

Use ClimateNest for a complete address-level bushfire risk report for Terrigal including BAL zone assessment, evacuation route mapping, and property-specific risk mitigation recommendations.

Terrigal sits within ClimateNest's suburb-level hazard model for bushfire risk. 5.8% of the suburb's land area is mapped in high-risk bushfire zones and 88.8% 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 Terrigal.

Terrigal (postcode 2260) 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 (10.1% of land in high-risk zones), riverine flood (6.6% of land in high-risk zones), bushfire (5.8% of land in high-risk zones). Exposure is not uniform across Terrigal — 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

Distance to BushlandWithin 1km of bushland reserves
BAL Overlay / ZoneBushfire Prone Land
Bushfire Prone AreaYes

Historical Events

2013
Minor

Bushfires in the region caused smoke haze and increased fire danger in Terrigal.

Adaptation & Mitigation Actions

Upgrade Flood Defenses

Near-term

Invest in improved drainage systems and flood barriers to protect properties from rising floodwaters.

Est. cost: Medium

Bushfire Preparedness

Immediate

Implement bushfire mitigation measures, such as clearing vegetation around properties and developing evacuation plans.

Est. cost: Low

Heatwave Action Plan

Near-term

Develop a community heatwave action plan to protect vulnerable residents during extreme heat events.

Est. cost: Low

Coastal Erosion Management

Long-term

Implement coastal erosion management strategies, such as beach nourishment and seawall construction, to protect beachfront properties.

Est. cost: High

Water Conservation

Near-term

Promote water conservation measures to ensure water security in the face of changing rainfall patterns.

Est. cost: Low

Council & Emergency Services

Central Coast Council
Emergency Services

Data last updated: 1 April 2026

Explore Terrigal Risk Reports

Frequently Asked Questions

Is Terrigal in a bushfire prone area?

Parts of Terrigal may be designated as bushfire prone land. Based on available data, Terrigal has a notable bushfire risk. Check your specific property for BAL ratings through ClimateNest or your local council.

What BAL rating applies to properties in Terrigal?

BAL ratings in Terrigal depend on the property's distance from classified vegetation, vegetation type, and slope. A site-specific assessment under AS 3959 is required to determine the exact BAL rating for any property within the suburb.

Does bushfire risk affect insurance in Terrigal?

Yes, properties in bushfire-prone parts of Terrigal may face higher building insurance premiums. Insurers assess bushfire risk based on BAL rating, fire history, and proximity to bushland. Some insurers may restrict cover in very high-risk locations.

What bushfire mitigation measures help protect homes in Terrigal?

Effective bushfire mitigation includes maintaining cleared asset protection zones, using ember-proof mesh on vents, installing metal gutter guards, using non-combustible building materials, and maintaining defendable space. Consult the New South Wales fire authority for property-specific guidance.

What share of Terrigal is exposed to high surface flood risk?

ClimateNest's hazard overlay maps 10.1% of Terrigal in high-risk zones for surface flood, with a further 75.8% 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 Terrigal Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Terrigal, New South Wales, covering flood, bushfire, sea level rise and more.

Free instant previewCSIRO-powered data

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