Flood Risk in Tullimbar, NSW: 2026 Assessment

Tullimbar, New South Wales· UNKNOWN
Tullimbar faces a moderate risk of flooding, primarily from heavy rainfall events and nearby waterways. Development and changing rainfall patterns are contributing factors.Updated 25 May 2026

Flood Risk Score

6.0/10

Tullimbar faces a moderate risk of flooding, primarily from heavy rainfall events and nearby waterways. Development and changing rainfall patterns are contributing factors.

Key Facts

Flood Risk
Tullimbar faces a moderate risk of flooding, primarily from heavy rainfall events and nearby waterways. Development and changing rainfall patterns are contributing factors.
Trend
increasing
Suburb
Tullimbar, NSW
Overall Risk
Medium
Postcode
2527
Highest high-risk exposure
17.1% of land (bushfire)

Flood Risk Analysis

Tullimbar, 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 data indicates that properties near the creek have experienced flooding in the past.

Tullimbar faces a moderate risk of flooding, primarily from heavy rainfall events and nearby waterways. Development and changing rainfall patterns are contributing factors.

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.

Tullimbar sits within ClimateNest's suburb-level hazard model for flood risk. 11% of the suburb's land area is mapped in high-risk flood zones and 71.1% 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 Tullimbar.

Tullimbar (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 (17.1% of land in high-risk zones), riverine flood (11% of land in high-risk zones), surface flood (7.3% of land in high-risk zones). Exposure is not uniform across Tullimbar — 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 WaterwayMullet Creek
Elevation Range20-40 meters
Flood Zone ClassificationAreas near Mullet Creek are susceptible to flooding.

Historical Events

2011
Moderate

Heavy rainfall caused flooding in low-lying areas of the region, impacting some properties in Tullimbar.

Adaptation & Mitigation Actions

Improve Drainage Infrastructure

Near-term

Upgrade drainage systems to handle increased rainfall intensity and reduce flood risk.

Est. cost: Medium

Implement Bushfire Management Plans

Immediate

Develop and implement bushfire management plans to reduce the risk of bushfires spreading to residential areas.

Est. cost: Medium

Promote Energy Efficiency

Long-term

Encourage energy efficiency measures to reduce greenhouse gas emissions and mitigate the urban heat island effect.

Est. cost: Low

Develop Heat Action Plans

Near-term

Create heat action plans to protect vulnerable populations during heatwave events.

Est. cost: Low

Council & Emergency Services

Shellharbour City Council
Emergency Services

Data last updated: 25 May 2026

Explore Tullimbar Risk Reports

Frequently Asked Questions

Is Tullimbar at risk of flooding?

Based on available data, Tullimbar 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 Tullimbar?

Insurance costs for flood cover in Tullimbar 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 Tullimbar?

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

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

ClimateNest's hazard overlay maps 17.1% of Tullimbar in high-risk zones for bushfire, with a further 64.5% 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 Tullimbar Safe from Climate Risk?

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