Storm Risk in Tongarra, NSW: 2026 Assessment

Tongarra, New South Wales· Shellharbour
Moderate storm risk — East Coast Lows bring severe weather including hail and damaging windsUpdated 31 May 2026

Storm Risk Score

3.9/10

Moderate storm risk — East Coast Lows bring severe weather including hail and damaging winds

Key Facts

Storm Risk
Moderate storm risk — East Coast Lows bring severe weather including hail and damaging winds
Trend
stable
Suburb
Tongarra, NSW
Overall Risk
Medium
Postcode
2527
Highest high-risk exposure
12.9% of land (bushfire)

Storm Risk Analysis

Tongarra, New South Wales, has a moderate storm risk profile. This includes exposure to severe thunderstorms, hail, damaging winds, and — in tropical regions — cyclone impacts. The applicable wind region classification under AS/NZS 1170.2 influences building design standards for Tongarra.

Severe thunderstorms affecting Tongarra can produce damaging wind gusts, large hail, and intense rainfall. The Bureau of Meteorology issues severe weather warnings for New South Wales, and historical storm data helps characterise the frequency and intensity of events in the region.

CSIRO research indicates that the intensity of severe convective storms — including those producing hail and damaging winds — may increase in a warming climate. For Tongarra property owners, this reinforces the value of storm-resistant building features and comprehensive insurance.

ClimateNest provides address-level storm risk reports for Tongarra including wind zone classification, hail risk probability, and property-specific mitigation recommendations based on your building characteristics.

Tongarra sits within ClimateNest's suburb-level hazard model for severe storm risk. 0% of the suburb's land area is mapped in high-risk severe storm zones and 77.5% 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 Tongarra.

Tongarra (postcode 2527) 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 (12.9% of land in high-risk zones), surface flood (7.8% of land in high-risk zones), riverine flood (6.5% of land in high-risk zones). Exposure is not uniform across Tongarra — 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

Wind/Storm RegionLow-lying areas may be exposed to sea level rise
Storm Risk LevelModerate erosion risk along the coastline
Distance to Coast2 km

Historical Events

2017
Moderate

Severe storms caused flash flooding and property damage.

Adaptation & Mitigation Actions

Upgrade flood defenses

Near-term

Invest in infrastructure to protect properties from flooding.

Est. cost: High

Improve bushfire management

Near-term

Implement strategies to reduce bushfire risk.

Est. cost: Medium

Develop heatwave response plan

Immediate

Create a plan to protect vulnerable residents during heatwaves.

Est. cost: Low

Protect coastal areas

Long-term

Implement measures to protect coastal properties from erosion and inundation.

Est. cost: High

Council & Emergency Services

Shellharbour City Council
Emergency Services

Data last updated: 31 May 2026

Explore Tongarra Risk Reports

Frequently Asked Questions

Is Tongarra prone to hailstorms?

Hail risk in Tongarra depends on the frequency of severe thunderstorm activity in the New South Wales region. BOM tracks severe storm events including hail. Property-specific risk depends on roof design, building orientation, and local storm patterns.

What wind rating applies to buildings in Tongarra?

Under AS/NZS 1170.2, properties in Tongarra are assigned a wind region classification. This rating determines structural design requirements for new buildings. Check with ClimateNest or a structural engineer for your property's classification.

Does storm risk affect insurance premiums in Tongarra?

Yes, storm damage — including wind, hail, and rain ingress — is one of the most common insurance claims in Australia. Properties in higher wind zones or with greater hail exposure may face higher premiums or specific policy conditions.

What storm mitigation measures should Tongarra property owners consider?

Storm mitigation includes impact-resistant roofing, cyclone-rated fixings where required, window and door shutters, regular roof and gutter maintenance, securing outdoor items, and ensuring compliance with current wind load standards under the National Construction Code.

What share of Tongarra is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 12.9% of Tongarra in high-risk zones for bushfire, with a further 63.3% 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 Tongarra Safe from Climate Risk?

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