Flood Risk in Tullymorgan, NSW: 2026 Assessment

Tullymorgan, New South Wales· UNKNOWN
Tullymorgan faces a moderate risk of flooding due to its proximity to the Clarence River and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.Updated 4 May 2026

Flood Risk Score

6.5/10

Tullymorgan faces a moderate risk of flooding due to its proximity to the Clarence River and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.

Key Facts

Flood Risk
Tullymorgan faces a moderate risk of flooding due to its proximity to the Clarence River and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.
Trend
increasing
Suburb
Tullymorgan, NSW
Overall Risk
Medium
Postcode
2463
Highest high-risk exposure
20.1% of land (bushfire)

Flood Risk Analysis

Tullymorgan, 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.

The Clarence River has a history of flooding, impacting Tullymorgan and surrounding areas.

Tullymorgan faces a moderate risk of flooding due to its proximity to the Clarence River and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.

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.

Tullymorgan sits within ClimateNest's suburb-level hazard model for flood risk. 9.9% of the suburb's land area is mapped in high-risk flood zones and 71% 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 Tullymorgan.

Tullymorgan (postcode 2463) 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 (20.1% of land in high-risk zones), riverine flood (9.9% of land in high-risk zones), surface flood (6.9% of land in high-risk zones). Exposure is not uniform across Tullymorgan — 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 WaterwayClarence River
Elevation Range5-10 meters
Flood Zone ClassificationAreas adjacent to the Clarence River are designated as flood zones.

Historical Events

2022
Major

Major flooding along the Clarence River inundated homes and businesses in Tullymorgan, causing significant damage.

2013
Moderate

The Clarence River experienced moderate flooding, impacting low-lying areas of Tullymorgan.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Construct levees and improve drainage systems to protect homes and businesses from flooding.

Est. cost: High

Develop Heatwave Early Warning System

Immediate

Implement a heatwave early warning system to alert vulnerable populations and provide guidance on how to stay safe during extreme heat events.

Est. cost: Low

Implement Coastal Protection Strategies

Long-term

Develop and implement coastal protection strategies, such as beach nourishment and seawalls, to protect coastal infrastructure and communities from sea level rise and storm surge.

Est. cost: Very High

Enhance Bushfire Preparedness

Near-term

Implement bushfire mitigation measures, such as vegetation management and community education programs, to reduce the risk of bushfires.

Est. cost: Medium

Council & Emergency Services

Clarence Valley Council
Emergency Services

Data last updated: 4 May 2026

Explore Tullymorgan Risk Reports

Frequently Asked Questions

Is Tullymorgan at risk of flooding?

Based on available data, Tullymorgan 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 Tullymorgan?

Insurance costs for flood cover in Tullymorgan 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 Tullymorgan?

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

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

ClimateNest's hazard overlay maps 20.1% of Tullymorgan in high-risk zones for bushfire, with a further 65.6% 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 Tullymorgan Safe from Climate Risk?

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