Flood Risk in Tocumwal, NSW: 2026 Assessment

Tocumwal, New South Wales· UNKNOWN
Tocumwal faces a moderate risk of flooding due to its proximity to the Murray River. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.Updated 1 May 2026

Flood Risk Score

6.0/10

Tocumwal faces a moderate risk of flooding due to its proximity to the Murray River. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.

Key Facts

Flood Risk
Tocumwal faces a moderate risk of flooding due to its proximity to the Murray River. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.
Trend
increasing
Suburb
Tocumwal, NSW
Overall Risk
Medium
Postcode
2714
Highest high-risk exposure
15.5% of land (bushfire)

Flood Risk Analysis

Tocumwal, 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 Tocumwal, highlighting the need for effective flood management strategies.

Tocumwal faces a moderate risk of flooding due to its proximity to the Murray River. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood 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.

Tocumwal sits within ClimateNest's suburb-level hazard model for flood risk. 11.7% of the suburb's land area is mapped in high-risk flood zones and 60.2% 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 Tocumwal.

Tocumwal (postcode 2714) 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 (15.5% of land in high-risk zones), riverine flood (11.7% of land in high-risk zones), surface flood (9.4% of land in high-risk zones). Exposure is not uniform across Tocumwal — 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 WaterwayMurray River
Elevation Range127m
Flood Zone ClassificationAreas near the Murray River are prone to flooding.

Historical Events

2010
Moderate

The Murray River experienced significant flooding, impacting Tocumwal and surrounding areas.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Invest in infrastructure to mitigate flood risk, such as levees and improved drainage systems.

Est. cost: High

Enhance Bushfire Preparedness

Near-term

Implement bushfire mitigation measures, such as fuel reduction programs and community education initiatives.

Est. cost: Medium

Develop Heatwave Action Plan

Immediate

Create a heatwave action plan to protect vulnerable populations during extreme heat events.

Est. cost: Low

Promote Water Conservation

Long-term

Encourage water conservation practices to ensure water security during periods of drought.

Est. cost: Low

Council & Emergency Services

UNKNOWN
Emergency Services

Data last updated: 1 May 2026

Explore Tocumwal Risk Reports

Frequently Asked Questions

Is Tocumwal at risk of flooding?

Based on available data, Tocumwal 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 Tocumwal?

Insurance costs for flood cover in Tocumwal 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 Tocumwal?

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

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

ClimateNest's hazard overlay maps 15.5% of Tocumwal in high-risk zones for bushfire, 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 Tocumwal Safe from Climate Risk?

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