Flood Risk in Tilligerry Creek, NSW: 2026 Assessment

Tilligerry Creek, New South Wales· UNKNOWN
Tilligerry Creek faces a moderate risk of flooding due to its low-lying areas and proximity to waterways. Increased rainfall intensity could exacerbate the risk.Updated 24 May 2026

Flood Risk Score

6.5/10

Tilligerry Creek faces a moderate risk of flooding due to its low-lying areas and proximity to waterways. Increased rainfall intensity could exacerbate the risk.

Key Facts

Flood Risk
Tilligerry Creek faces a moderate risk of flooding due to its low-lying areas and proximity to waterways. Increased rainfall intensity could exacerbate the risk.
Trend
increasing
Suburb
Tilligerry Creek, NSW
Overall Risk
Medium
Postcode
2319
Highest high-risk exposure
12.2% of land (surface flood)

Flood Risk Analysis

Tilligerry Creek, 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.

Low-lying areas near the creek are most vulnerable.

Tilligerry Creek faces a moderate risk of flooding due to its low-lying areas and proximity to waterways. Increased rainfall intensity could exacerbate the risk.

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.

Tilligerry Creek sits within ClimateNest's suburb-level hazard model for flood risk. 7.1% of the suburb's land area is mapped in high-risk flood zones and 64.3% 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 Tilligerry Creek.

Tilligerry Creek (postcode 2319) 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 (12.2% of land in high-risk zones), bushfire (11.4% of land in high-risk zones), riverine flood (7.1% of land in high-risk zones). Exposure is not uniform across Tilligerry Creek — 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 WaterwayTilligerry Creek
Elevation Range0-10 meters
Flood Zone ClassificationCoastal floodplain

Historical Events

2022
Major

Significant flooding event impacted the region, leading to evacuations and widespread damage.

2007
Moderate

Major flooding event impacted the region, causing property damage and road closures.

Adaptation & Mitigation Actions

Improve Drainage Infrastructure

Near-term

Upgrade drainage systems to handle increased rainfall intensity and reduce flood risk.

Est. cost: Medium

Implement Heat Action Plan

Immediate

Develop a plan to protect vulnerable populations during heatwaves, including cooling centers and community outreach.

Est. cost: Low

Strengthen Coastal Defenses

Long-term

Implement measures to protect coastal areas from erosion and storm surge, such as seawalls and beach nourishment.

Est. cost: High

Promote Heat-Resilient Building Designs

Near-term

Encourage the use of building materials and designs that reduce heat absorption and improve ventilation.

Est. cost: Medium

Community Awareness Programs

Immediate

Educate residents about climate risks and adaptation measures through workshops and online resources.

Est. cost: Low

Council & Emergency Services

Port Stephens Council
Emergency Services

Data last updated: 24 May 2026

Explore Tilligerry Creek Risk Reports

Frequently Asked Questions

Is Tilligerry Creek at risk of flooding?

Based on available data, Tilligerry Creek has a notable flood risk profile. Flood risk varies by address — check your specific property for precise flood zone mapping and elevation data with ClimateNest.

What flood insurance costs can I expect in Tilligerry Creek?

Insurance costs for flood cover in Tilligerry Creek 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 Tilligerry Creek?

Yes, flood risk can affect property values in Tilligerry Creek. 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 Tilligerry Creek?

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

ClimateNest's hazard overlay maps 12.2% of Tilligerry Creek in high-risk zones for surface flood, with a further 62% 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 Tilligerry Creek Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Tilligerry Creek, 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 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections