Bushfire Risk in Topi Topi, NSW: 2026 Assessment

Topi Topi, New South Wales· UNKNOWN
The area around Topi Topi has a moderate bushfire risk due to surrounding vegetation. Drier conditions and higher temperatures could increase the likelihood of bushfires.Updated 8 May 2026

Bushfire Risk Score

4.0/10

The area around Topi Topi has a moderate bushfire risk due to surrounding vegetation. Drier conditions and higher temperatures could increase the likelihood of bushfires.

Key Facts

Bushfire Risk
The area around Topi Topi has a moderate bushfire risk due to surrounding vegetation. Drier conditions and higher temperatures could increase the likelihood of bushfires.
Trend
increasing
Suburb
Topi Topi, NSW
Overall Risk
Medium
Postcode
2423
Highest high-risk exposure
15.4% of land (surface flood)

Bushfire Risk Analysis

Topi Topi, New South Wales, has a the area around topi topi has a moderate bushfire risk due to surrounding vegetation. drier conditions and higher temperatures could increase the likelihood 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.

Check RFS website for current alerts.

CSIRO research indicates climate change is extending fire seasons and increasing the number of severe fire weather days across southern and eastern Australia. For Topi Topi, 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 Topi Topi including BAL zone assessment, evacuation route mapping, and property-specific risk mitigation recommendations.

Topi Topi sits within ClimateNest's suburb-level hazard model for bushfire risk. 13.9% of the suburb's land area is mapped in high-risk bushfire zones and 73.3% 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 Topi Topi.

Topi Topi (postcode 2423) 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 (15.4% of land in high-risk zones), bushfire (13.9% of land in high-risk zones), riverine flood (6.5% of land in high-risk zones). Exposure is not uniform across Topi Topi — 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 Bushland500m
BAL Overlay / ZoneRFS Bushfire Prone Land
Bushfire Prone AreaYes

Historical Events

2019
Moderate

Bushfires impacted the region, causing smoke haze and property damage.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

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

Est. cost: High

Develop Heat Action Plan

Immediate

Implement a heat action plan to protect vulnerable populations during heatwaves.

Est. cost: Medium

Bushfire Preparedness

Near-term

Promote bushfire preparedness through community education and property maintenance.

Est. cost: Low

Enhance Emergency Response

Near-term

Strengthen emergency response capabilities to deal with climate-related disasters.

Est. cost: Medium

Council & Emergency Services

MidCoast Council
Emergency Services

Data last updated: 8 May 2026

Explore Topi Topi Risk Reports

Frequently Asked Questions

Is Topi Topi in a bushfire prone area?

Parts of Topi Topi may be designated as bushfire prone land. Based on available data, Topi Topi 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 Topi Topi?

BAL ratings in Topi Topi 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 Topi Topi?

Yes, properties in bushfire-prone parts of Topi Topi 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 Topi Topi?

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 Topi Topi is exposed to high surface flood risk?

ClimateNest's hazard overlay maps 15.4% of Topi Topi in high-risk zones for surface flood, with a further 63.2% 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 Topi Topi Safe from Climate Risk?

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