Is Texas, NSW Climate Safe? 2026 Assessment
Climate Safety Score
5.5/10Moderate climate risk — address-specific
Key Facts
- Climate Safety
- Medium
- Flood
- Texas is located near the Dumaresq River and is susceptible to flooding during periods of heavy rainfall. Climate change is expected to increase the intensity of rainfall events, potentially leading to more frequent and severe flooding.
- Bushfire
- Texas has some bushfire risk due to surrounding vegetation. Hotter, drier conditions associated with climate change are expected to increase the frequency and intensity of bushfires.
- Heat
- Texas experiences hot summers, and climate change is projected to increase the frequency and intensity of heatwaves, posing a risk to vulnerable populations.
- Storm
- Moderate storm risk — East Coast Lows bring severe weather including hail and damaging winds
- Postcode
- 4385
- Highest high-risk exposure
- 19.3% of land (bushfire)
Climate Safety Analysis
Texas in New South Wales has an overall climate safety rating of Medium. This multi-hazard assessment combines flood, bushfire, heat, coastal, and storm risk data with climate projections to 2050 from CSIRO and the Bureau of Meteorology.
Key factors affecting Texas's climate safety include heat, flood. Each hazard is assessed independently and combined for an overall picture. Australia has warmed by approximately 1.5 °C since 1910, with flow-on effects to fire weather, extreme rainfall, and heatwave frequency.
Climate safety for property in Texas is not uniform — it varies by address. Factors such as elevation, distance to waterways, proximity to bushland, and local drainage all influence actual risk at a specific property. Two nearby properties can have materially different risk profiles.
For a complete property-specific climate safety report for Texas including address-level hazard mapping, insurance outlook, and adaptation recommendations, use the ClimateNest full analysis tool.
Texas (postcode 4385) 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 (19.3% of land in high-risk zones), surface flood (9.4% of land in high-risk zones), extreme wind (5.7% of land in high-risk zones). Exposure is not uniform across Texas — 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
Historical Events
Prolonged drought conditions impacted local agriculture and water supplies.
Bushfires in the region caused smoky conditions and required residents to be prepared for evacuation.
A prolonged heatwave resulted in increased hospital admissions for heat-related illnesses.
Significant flooding of the Dumaresq River impacted Texas, causing property damage and road closures.
Adaptation & Mitigation Actions
Improve Flood Defenses
Near-termInvest in infrastructure to protect against flooding, such as levees and improved drainage systems.
Est. cost: High
Implement Heatwave Early Warning System
ImmediateDevelop a system to alert residents of impending heatwaves and provide guidance on how to stay safe.
Est. cost: Low
Manage Vegetation to Reduce Bushfire Risk
Near-termImplement vegetation management strategies to reduce the risk of bushfires, such as controlled burns and clearing of undergrowth.
Est. cost: Medium
Promote Water Conservation
Long-termEncourage residents to conserve water to mitigate the impacts of drought.
Est. cost: Low
Community Education Programs
ImmediateEducate the community about climate change risks and adaptation measures.
Est. cost: Low
Council & Emergency Services
Explore Texas Risk Reports
View other climate risk assessments for Texas:
Frequently Asked Questions
Is Texas safe from climate change?
No location in Australia is entirely immune to climate change impacts. Texas has an overall Medium climate risk rating. Understanding the specific hazards at your property address — not just the suburb average — provides the most reliable risk picture.
Which climate hazard poses the biggest risk in Texas?
The dominant hazard for Texas depends on geography and local environment. Proximity to waterways elevates flood risk, while proximity to bushland increases bushfire risk. ClimateNest's multi-hazard analysis identifies the highest-risk hazards for any specific address.
How does Texas compare to nearby suburbs for climate safety?
Nearby suburbs may have different climate risk profiles depending on elevation, vegetation cover, drainage patterns, and land use. ClimateNest allows comparison of climate safety scores across New South Wales suburbs.
Should I be concerned about buying property in Texas?
Climate risk should be one factor in your decision, alongside price, location, and amenity. An informed buyer understands the specific risks at a property address and factors insurance costs and climate projections into their assessment of long-term value.
What climate projections should I know for Texas?
Key projections for New South Wales from CSIRO include increased average temperatures, more frequent hot days, changes in rainfall seasonality, longer fire seasons, and potential increases in extreme rainfall intensity. These trends inform the long-term outlook for Texas.
What share of Texas is exposed to high bushfire risk?
ClimateNest's hazard overlay maps 19.3% of Texas in high-risk zones for bushfire, with a further 54.4% 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 Texas Safe from Climate Risk?
Enter your address below for an instant climate risk assessment for Texas, New South Wales, covering flood, bushfire, sea level rise and more.
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*Industry sources: ICA, APRA, RBA
Full report from A$69 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections