📮 Tomago postcode: 2322

Bushfire Risk in Tomago, NSW: 2026 Assessment

Tomago, New South Wales· Port Stephens· 2322
Tomago has a moderate bushfire risk due to surrounding bushland. Hotter, drier conditions are expected to increase the frequency and intensity of bushfires.Updated 24 May 2026

Bushfire Risk Score

4.0/10

Tomago has a moderate bushfire risk due to surrounding bushland. Hotter, drier conditions are expected to increase the frequency and intensity of bushfires.

Key Facts

Bushfire Risk
Tomago has a moderate bushfire risk due to surrounding bushland. Hotter, drier conditions are expected to increase the frequency and intensity of bushfires.
Trend
increasing
Suburb
Tomago, NSW
Overall Risk
Medium
Postcode
2322
Highest high-risk exposure
17.7% of land (bushfire)

Bushfire Risk Analysis

Tomago, New South Wales, has a tomago has a moderate bushfire risk due to surrounding bushland. hotter, drier conditions are expected to increase the frequency and intensity of bushfires. bushfire risk profile. Key factors include distance to classified bushland, vegetation type, slope, and historical bushfire activity in the region. The New South Wales fire authority maps bushfire-prone areas and assigns BAL (Bushfire Attack Level) ratings.

The western and southern edges of Tomago border bushfire-prone areas.

CSIRO research indicates climate change is extending fire seasons and increasing the number of severe fire weather days across southern and eastern Australia. For Tomago, this may mean shifts in bushfire risk levels over the coming decades, making property-level BAL assessment increasingly important.

Use ClimateNest for a complete address-level bushfire risk report for Tomago including BAL zone assessment, evacuation route mapping, and property-specific risk mitigation recommendations.

Tomago sits within ClimateNest's suburb-level hazard model for bushfire risk. 17.7% of the suburb's land area is mapped in high-risk bushfire zones and 75.8% 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 Tomago.

Tomago (postcode 2322) 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 (17.7% of land in high-risk zones), surface flood (6.8% of land in high-risk zones), riverine flood (4.6% of land in high-risk zones). Exposure is not uniform across Tomago — 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

Distance to BushlandAdjacent
BAL Overlay / Zonehttps://www.rfs.nsw.gov.au/map
Bushfire Prone AreaYes

Historical Events

2013
Moderate

Bushfires threatened properties in the outskirts of Tomago.

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

Immediate

Implement community education programs and support residents in preparing their properties for bushfires.

Est. cost: Medium

Develop Heat Action Plan

Near-term

Create a heat action plan to protect vulnerable populations during heatwaves, including cooling centers and public awareness campaigns.

Est. cost: Low

Coastal Management Strategy

Long-term

Develop a long-term coastal management strategy to address the impacts of sea level rise and storm surges.

Est. cost: High

Council & Emergency Services

Port Stephens Council
Emergency Services

Data last updated: 24 May 2026

Explore Tomago Risk Reports

Frequently Asked Questions

Is Tomago in a bushfire prone area?

Parts of Tomago may be designated as bushfire prone land. Based on available data, Tomago has a notable bushfire risk. Check your specific property for BAL ratings through ClimateNest or your local council.

What BAL rating applies to properties in Tomago?

BAL ratings in Tomago depend on the property's distance from classified vegetation, vegetation type, and slope. A site-specific assessment under AS 3959 is required to determine the exact BAL rating for any property within the suburb.

Does bushfire risk affect insurance in Tomago?

Yes, properties in bushfire-prone parts of Tomago may face higher building insurance premiums. Insurers assess bushfire risk based on BAL rating, fire history, and proximity to bushland. Some insurers may restrict cover in very high-risk locations.

What bushfire mitigation measures help protect homes in Tomago?

Effective bushfire mitigation includes maintaining cleared asset protection zones, using ember-proof mesh on vents, installing metal gutter guards, using non-combustible building materials, and maintaining defendable space. Consult the New South Wales fire authority for property-specific guidance.

What share of Tomago is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 17.7% of Tomago 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 Tomago Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Tomago, New South Wales, covering flood, bushfire, sea level rise and more.

Free instant previewCSIRO-powered data

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