๐Ÿ“ฎ Upper Bylong postcode: 2849

Flood Risk in Upper Bylong, NSW: 2026 Assessment

Upper Bylong, New South Walesยท Mid-Western Regionalยท 2849
Upper Bylong faces a moderate risk of flooding, primarily from the Bylong River and its tributaries. Increased rainfall intensity can lead to flash flooding.Updated 31 May 2026

Flood Risk Score

6.0/10

Upper Bylong faces a moderate risk of flooding, primarily from the Bylong River and its tributaries. Increased rainfall intensity can lead to flash flooding.

Key Facts

Flood Risk
Upper Bylong faces a moderate risk of flooding, primarily from the Bylong River and its tributaries. Increased rainfall intensity can lead to flash flooding.
Trend
increasing
Suburb
Upper Bylong, NSW
Overall Risk
Medium
Postcode
2849
Highest high-risk exposure
6.3% of land (riverine flood)

Flood Risk Analysis

Upper Bylong, 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 the Bylong River has a history of flooding during periods of heavy rainfall. Recent infrastructure upgrades aim to mitigate some of the flood risk.

Upper Bylong faces a moderate risk of flooding, primarily from the Bylong River and its tributaries. Increased rainfall intensity can lead to flash 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.

Upper Bylong sits within ClimateNest's suburb-level hazard model for flood risk. 6.3% of the suburb's land area is mapped in high-risk flood zones and 82.1% 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 Upper Bylong.

Upper Bylong (postcode 2849) 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 riverine flood (6.3% of land in high-risk zones), surface flood (6.2% of land in high-risk zones), bushfire (6% of land in high-risk zones). Exposure is not uniform across Upper Bylong 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 WaterwayBylong River
Elevation Range300-400m
Flood Zone ClassificationAreas adjacent to the Bylong River are prone to flooding.

Historical Events

2020
Minor

Localized flooding occurred after a period of heavy rainfall, affecting some residential areas.

2013
Moderate

Heavy rainfall caused the Bylong River to flood, inundating low-lying areas and disrupting transportation.

Adaptation & Mitigation Actions

Upgrade Flood Defenses

Near-term

Invest in infrastructure to mitigate flood risk, such as levees, drainage improvements, and flood-proofing of buildings.

Est. cost: High

Enhance Bushfire Preparedness

Immediate

Implement measures to reduce bushfire risk, such as vegetation management, fire breaks, and community education programs.

Est. cost: Medium

Develop Heatwave Response Plan

Near-term

Create a plan to protect vulnerable populations during heatwaves, including cooling centers, public awareness campaigns, and health alerts.

Est. cost: Low

Promote Water Conservation

Long-term

Encourage water conservation practices to reduce water stress during periods of drought and heatwaves.

Est. cost: Low

Council & Emergency Services

Mid-Western Regional Council
Emergency Services

Data last updated: 31 May 2026

Explore Upper Bylong Risk Reports

Frequently Asked Questions

Is Upper Bylong at risk of flooding?

Based on available data, Upper Bylong 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 Upper Bylong?

Insurance costs for flood cover in Upper Bylong 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 Upper Bylong?

Yes, flood risk can affect property values in Upper Bylong. 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 Upper Bylong?

Elevation is a critical factor in flood risk. Properties at higher elevations within Upper Bylong 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 Upper Bylong is exposed to high riverine flood risk?

ClimateNest's hazard overlay maps 6.3% of Upper Bylong in high-risk zones for riverine flood, with a further 82.1% 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 Upper Bylong Safe from Climate Risk?

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