๐Ÿ“ฎ Towradgi postcode: 2518

Flood Risk in Towradgi, NSW: 2026 Assessment

Towradgi, New South Walesยท Wollongongยท 2518
Towradgi faces a moderate risk of flooding due to its low-lying coastal location and proximity to creeks and waterways. Intense rainfall events can lead to flash flooding and riverine flooding.Updated 1 May 2026

Flood Risk Score

6.5/10

Towradgi faces a moderate risk of flooding due to its low-lying coastal location and proximity to creeks and waterways. Intense rainfall events can lead to flash flooding and riverine flooding.

Key Facts

Flood Risk
Towradgi faces a moderate risk of flooding due to its low-lying coastal location and proximity to creeks and waterways. Intense rainfall events can lead to flash flooding and riverine flooding.
Trend
increasing
Suburb
Towradgi, NSW
Overall Risk
Medium
Postcode
2518
Highest high-risk exposure
21.9% of land (bushfire)

Flood Risk Analysis

Towradgi, 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.

Several properties in Towradgi are located within identified flood zones.

Towradgi faces a moderate risk of flooding due to its low-lying coastal location and proximity to creeks and waterways. Intense rainfall events can lead to flash flooding and riverine flooding.

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.

Towradgi sits within ClimateNest's suburb-level hazard model for flood risk. 8.7% of the suburb's land area is mapped in high-risk flood zones and 69.7% 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 Towradgi.

Towradgi (postcode 2518) 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 (21.9% of land in high-risk zones), riverine flood (8.7% of land in high-risk zones), surface flood (6.3% of land in high-risk zones). Exposure is not uniform across Towradgi โ€” 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 WaterwayTowradgi Creek
Elevation Range0-20 meters
Flood Zone ClassificationCoastal and riverine flood zones

Historical Events

2007
Moderate

Heavy rainfall caused flash flooding in Towradgi, inundating some properties and disrupting traffic.

Adaptation & Mitigation Actions

Improve stormwater drainage

Near-term

Upgrade stormwater infrastructure to handle increased rainfall intensity and reduce the risk of flash flooding.

Est. cost: Medium

Implement a heatwave management plan

Immediate

Develop a plan to protect vulnerable populations during heatwaves, including establishing cooling centers and providing public awareness campaigns.

Est. cost: Low

Protect coastal ecosystems

Long-term

Implement measures to protect and restore coastal ecosystems, such as dunes and mangroves, to provide natural buffers against erosion and storm surges.

Est. cost: High

Raise awareness of climate risks

Immediate

Educate residents about the risks of climate change and provide guidance on how to prepare for and respond to extreme weather events.

Est. cost: Low

Promote water conservation

Near-term

Encourage residents to conserve water to reduce strain on water resources during periods of drought and heat.

Est. cost: Low

Council & Emergency Services

Wollongong City Council
Emergency Services

Data last updated: 1 May 2026

Explore Towradgi Risk Reports

Frequently Asked Questions

Is Towradgi at risk of flooding?

Based on available data, Towradgi has a notable flood risk profile. Flood risk varies by address โ€” check your specific property for precise flood zone mapping and elevation data with ClimateNest.

What flood insurance costs can I expect in Towradgi?

Insurance costs for flood cover in Towradgi 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 Towradgi?

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

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

ClimateNest's hazard overlay maps 21.9% of Towradgi in high-risk zones for bushfire, with a further 69.2% in moderate-risk zones. Suburb-level exposure is not uniform โ€” individual properties can differ from these averages, so an address-level check is recommended.

Is Towradgi Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Towradgi, 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 ยท Australian addresses only ยท 8 hazard scores ยท Insurance trajectory ยท 2030 & 2050 projections