Flood Risk in Tiona, NSW: 2026 Assessment

Tiona, New South Wales· UNKNOWN
Tiona faces a moderate risk of flooding, primarily from heavy rainfall events and potential riverine flooding. The risk is expected to increase due to climate change.Updated 9 May 2026

Flood Risk Score

6.5/10

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

Key Facts

Flood Risk
Tiona faces a moderate risk of flooding, primarily from heavy rainfall events and potential riverine flooding. The risk is expected to increase due to climate change.
Trend
increasing
Suburb
Tiona, NSW
Overall Risk
Medium
Postcode
2428
Highest high-risk exposure
19.5% of land (bushfire)

Flood Risk Analysis

Tiona, 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.

Historical flood events have impacted low-lying areas in Tiona.

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

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.

Tiona sits within ClimateNest's suburb-level hazard model for flood risk. 5.4% of the suburb's land area is mapped in high-risk flood zones and 88.2% 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 Tiona.

Tiona (postcode 2428) 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 (19.5% of land in high-risk zones), surface flood (11.1% of land in high-risk zones), riverine flood (5.4% of land in high-risk zones). Exposure is not uniform across Tiona — 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 WaterwayWallis Lake
Elevation Range0-20 meters
Flood Zone ClassificationAreas near Wallis Lake are susceptible to flooding.

Historical Events

2022
Major

Significant flooding event impacted Tiona and surrounding areas, causing widespread damage.

2013
Moderate

Heavy rainfall caused localized flooding in low-lying areas of Tiona.

Adaptation & Mitigation Actions

Improve Drainage Infrastructure

Near-term

Upgrade drainage systems to reduce the risk of flooding during heavy rainfall events.

Est. cost: Medium

Implement Bushfire Management Plans

Immediate

Develop and implement bushfire management plans to reduce the risk of bushfires impacting residential areas.

Est. cost: Low

Develop Heatwave Response Strategies

Near-term

Establish heatwave early warning systems and provide support for vulnerable populations during heatwaves.

Est. cost: Low

Protect Coastal Areas

Long-term

Implement coastal protection measures to reduce the impact of sea level rise and coastal erosion.

Est. cost: High

Community Awareness Programs

Near-term

Educate residents about climate risks and adaptation measures.

Est. cost: Low

Council & Emergency Services

MidCoast Council
Emergency Services

Data last updated: 9 May 2026

Explore Tiona Risk Reports

Frequently Asked Questions

Is Tiona at risk of flooding?

Based on available data, Tiona 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 Tiona?

Insurance costs for flood cover in Tiona 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 Tiona?

Yes, flood risk can affect property values in Tiona. 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 Tiona?

Elevation is a critical factor in flood risk. Properties at higher elevations within Tiona 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 Tiona is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 19.5% of Tiona in high-risk zones for bushfire, with a further 72.5% 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 Tiona Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Tiona, 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