Climate Risk Profile: Terry Hie Hie, NSW

Terry Hie Hie, New South Wales

Medium Risk

Updated May 2026

Terry Hie Hie faces moderate risks from flooding and heatwaves, with bushfire risk also present. Climate change is expected to exacerbate these risks, particularly in the coming decades.

Overall Risk Score

52/100

Medium

Confidence: Medium

Hazard Breakdown

Flood

6.0

Bushfire

4.0

Heat

6.0

Coastal

1.0

Climate Hazard Breakdown for Terry Hie Hie

increasing

Flood

60/100

Terry Hie Hie faces a moderate risk of flooding, primarily from heavy rainfall events and riverine flooding. The risk is expected to increase due to climate change.

Key drivers:

·Increased rainfall intensity
·Changes in river flow patterns

increasing

Bushfire

40/100

The area around Terry Hie Hie has a moderate bushfire risk due to the surrounding vegetation. Hot, dry conditions exacerbate this risk, and climate change is projected to worsen these conditions.

Key drivers:

·Increased temperatures
·Drier conditions

increasing

Heat

60/100

Terry Hie Hie is likely to experience more frequent and intense heatwaves. This poses a risk to vulnerable populations, including the elderly and those with pre-existing health conditions.

Key drivers:

·Rising average temperatures
·More frequent heatwave events

stable

Coastal

10/100

Terry Hie Hie is not exposed to coastal risks due to its inland location.

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 Terry Hie Hie

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

60/100

Terry Hie Hie is likely to experience more frequent and intense heatwaves. This poses a risk to vulnerable populations, including the elderly and those with pre-existing health conditions.

Primary Drivers

·Rising average temperatures
·More frequent heatwave events

Projections (RCP8.5)

2030

6.5

2050

7.5

Data source

flood Risk

60/100

Terry Hie Hie faces a moderate risk of flooding, primarily from heavy rainfall events and riverine flooding. The risk is expected to increase due to climate change.

Primary Drivers

·Increased rainfall intensity
·Changes in river flow patterns

Projections (RCP8.5)

2030

6.5

2050

7.0

Data source

coastal Risk

10/100

Terry Hie Hie is not exposed to coastal risks due to its inland location.

Projections (N/A)

2030

1.0

2050

1.0

Data source

bushfire Risk

40/100

The area around Terry Hie Hie has a moderate bushfire risk due to the surrounding vegetation. Hot, dry conditions exacerbate this risk, and climate change is projected to worsen these conditions.

Primary Drivers

·Increased temperatures
·Drier conditions
·Increased fuel load

Projections (RCP8.5)

2030

4.5

2050

5.0

Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums may increase due to the increased risk of flooding and bushfires.

Price Impact

Properties in flood-prone areas may experience a decrease in value.

Buyer Checklist

1.Check flood maps and bushfire prone area maps.
2.Assess the property's vulnerability to flooding and bushfires.
3.Obtain insurance quotes.
4.Consider the potential impact of climate change on property value.

Local Climate Evidence

Flood Evidence

Nearest Waterway: Gwydir River
Elevation Range: 200-250m
Flood Zone: Areas near the Gwydir River are susceptible to flooding.

Bushfire Evidence

Distance to Bushland: Adjacent to forested areas.
Planning Overlay: Check with NSW RFS for current bushfire prone area maps.
Bushfire Prone Area: Yes

Heat Evidence

Avg January Max Temp: 34°C
Heat Stress Days/Year: 3 days

Coastal Evidence

Distance to Coast: 450 km
Sea Level Rise Exposure: Not applicable.
Erosion Risk: Not applicable.

Historical Climate Events

2012

floodModerate

Significant flooding occurred in the Gwydir River catchment, impacting Terry Hie Hie.

Source

2019

bushfireModerate

Bushfires impacted the region, with smoke affecting air quality in Terry Hie Hie.

Source

2017

heatwaveModerate

A prolonged heatwave affected the region, with temperatures exceeding 40°C for several days.

Source

Climate Outlook to 2050

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

Hazard	Today	2030	2050
flood	60	6.5(+0.5)	7.0(+1.0)
bushfire	40	4.3(+0.3)	4.5(+0.5)
heat	60	6.7(+0.7)	7.5(+1.5)
coastal	10	1.0	1.0

By 2030, Terry Hie Hie is projected to experience an increase in flood and heatwave risk under a high emissions scenario.

CSIRO Climate Projections

Adaptation Recommendations

Improve Flood Defenses

Near-term

Construct levees and improve drainage systems to reduce the risk of flooding.

Est. cost: High

Learn more

Implement Heatwave Early Warning System

Immediate

Develop and implement a heatwave early warning system to alert residents of impending heatwaves.

Est. cost: Low

Learn more

Manage Bushfire Risk

Near-term

Conduct controlled burns and manage vegetation to reduce the risk of bushfires.

Est. cost: Medium

Learn more

Upgrade Infrastructure

Long-term

Upgrade infrastructure to withstand the impacts of climate change, such as more intense rainfall and higher temperatures.

Est. cost: High

Learn more

About Terry Hie Hie's Climate Risk Profile

Terry Hie Hie, located in New South Wales, is an inland area that faces several climate-related challenges. The primary concerns are flooding, heatwaves, and bushfire risk. Due to its geographical location, coastal risks are minimal.

Flooding is a significant concern due to heavy rainfall events and riverine flooding. Climate change projections indicate an increase in rainfall intensity, which could lead to more frequent and severe flooding events. This poses a threat to infrastructure and property in the area.

Heatwaves are also a growing concern, with projections indicating more frequent and intense heatwave events. This can have significant impacts on human health, particularly for vulnerable populations. The increased heat can also exacerbate bushfire risk.

Bushfire risk is moderate due to the surrounding vegetation. Hot, dry conditions increase the likelihood of bushfires, and climate change is expected to worsen these conditions. This poses a threat to property and human safety.

Addressing these climate risks requires a combination of adaptation and mitigation strategies. This includes improving flood defenses, implementing heatwave early warning systems, and managing bushfire risk through controlled burns and vegetation management.

Data sources: http://www.bom.gov.au/ · https://www.csiro.au/ · https://www.ses.nsw.gov.au/ · https://www.rfs.nsw.gov.au/

Local Government Resources

UNKNOWN

Climate Strategy Flood Maps Emergency Services

Frequently Asked Questions

What are the main climate risks facing Terry Hie Hie?

The main climate risks are flooding, heatwaves, and bushfires. Climate change is expected to increase the frequency and intensity of these events.

How will climate change affect property values in Terry Hie Hie?

Properties in flood-prone areas may experience a decrease in value. Increased bushfire risk may also affect property values.

What can I do to protect my property from flooding?

Consider installing flood barriers, improving drainage, and raising the level of your property.

How can I prepare for a heatwave?

Stay hydrated, stay indoors during the hottest part of the day, and check on vulnerable neighbors.

What should I do if a bushfire threatens my property?

Follow the advice of emergency services, evacuate if necessary, and have a bushfire survival plan in place.

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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

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