Climate Risk in Upper Macdonald, NSW

Upper Macdonald, New South Wales
Medium Risk
Updated May 2026

Upper Macdonald faces increasing risks from flooding and bushfires due to climate change. Heatwaves are also expected to become more frequent and intense. Residents should prepare for these hazards.

Overall Risk Score

58/100
Medium

Confidence: Medium

Hazard Breakdown

Flood
6.5
Bushfire
7.0
Heat
4.5
Coastal
1.0

Climate Hazard Breakdown for Upper Macdonald

increasing

Flood

65/100

Upper Macdonald is located near the Macdonald River and is susceptible to flooding. Riverine flooding can inundate properties and disrupt infrastructure.

Key drivers:

  • ·Increased rainfall intensity
  • ·Changes in river flow
increasing

Bushfire

70/100

The area surrounding Upper Macdonald has a high bushfire risk due to the presence of dense vegetation. Hot, dry conditions exacerbate the risk.

Key drivers:

  • ·Increased temperatures
  • ·Drier conditions
increasing

Heat

45/100

Upper Macdonald experiences moderate heat. The number of extremely hot days is projected to increase.

Key drivers:

  • ·Increased greenhouse gas emissions
  • ·Urban heat island effect
stable

Coastal

10/100

Upper Macdonald is not directly exposed to coastal risks. Sea level rise and coastal erosion are not significant concerns.

Key drivers:

  • ·Distance from coast
stable

Wind

28/100

Moderate wind risk — East Coast Lows and gust fronts

stable

Storm

39/100

Moderate storm risk — severe thunderstorms and hail

stable

Social

21/100

Moderate social stability — mixed urban density

increasing

Energy

35/100

Moderate energy costs — climate-driven cooling demand

In-Depth Climate Risk Guides for Upper Macdonald

Detailed Hazard Analysis

heat Risk

45/100

Upper Macdonald experiences moderate heat. The number of extremely hot days is projected to increase.

Primary Drivers

  • ·Increased greenhouse gas emissions
  • ·Urban heat island effect

Projections (RCP8.5)

2030

5.0

2050

5.5

Data source

flood Risk

65/100

Upper Macdonald is located near the Macdonald River and is susceptible to flooding. Riverine flooding can inundate properties and disrupt infrastructure.

Primary Drivers

  • ·Increased rainfall intensity
  • ·Changes in river flow
  • ·Urban development

Projections (RCP8.5)

2030

7.0

2050

7.5

Data source

coastal Risk

10/100

Upper Macdonald is not directly exposed to coastal risks. Sea level rise and coastal erosion are not significant concerns.

Primary Drivers

  • ·Distance from coast

Projections (RCP8.5)

2030

1.0

2050

1.0

Data source

bushfire Risk

70/100

The area surrounding Upper Macdonald has a high bushfire risk due to the presence of dense vegetation. Hot, dry conditions exacerbate the risk.

Primary Drivers

  • ·Increased temperatures
  • ·Drier conditions
  • ·Fuel load

Projections (RCP8.5)

2030

7.5

2050

8.0

Data source

What This Means for Property Owners

Insurance Outlook

Insurance premiums may increase due to flood and bushfire risks.

Price Impact

Properties in high-risk areas may experience price reductions.

Buyer Checklist

  • 1.Check flood maps and bushfire prone area designations.
  • 2.Obtain a building inspection report.
  • 3.Review insurance options and costs.
  • 4.Assess the property's vulnerability to heatwaves.

Local Climate Evidence

Flood Evidence

Nearest Waterway
Macdonald River
Elevation Range
Varies, low-lying areas near the river
Flood Zone
Areas adjacent to the Macdonald River are designated as flood zones.

Historical flood data indicates that the area has experienced several significant flood events in the past.

View council flood map

Bushfire Evidence

Distance to Bushland
Adjacent to dense bushland
Planning Overlay
Bushfire prone area overlay applies
Bushfire Prone Area
Yes

The Rural Fire Service regularly conducts hazard reduction burns in the area to mitigate bushfire risk.

Heat Evidence

Avg January Max Temp
31.5°C
Heat Stress Days/Year
3 days

The Bureau of Meteorology provides heatwave forecasts and warnings for the region.

Coastal Evidence

Distance to Coast
70 km
Sea Level Rise Exposure
Not applicable
Erosion Risk
Not applicable

Historical Climate Events

2013
floodModerate

The Macdonald River flooded, inundating low-lying areas and disrupting traffic.

Source
2019
bushfireMajor

Bushfires threatened the area, requiring evacuations and property protection measures.

Source
2020
floodModerate

Heavy rainfall caused the Macdonald River to flood again, impacting homes and businesses.

Source
2017
heatwaveModerate

Prolonged heatwave conditions put strain on local resources and infrastructure.

Source

Climate Outlook to 2050

Projections based on CSIRO and BOM climate modelling. Scenario: RCP8.5

HazardToday20302050
flood656.8(+0.3)7.1(+0.6)
bushfire707.4(+0.4)7.8(+0.8)
heat454.7(+0.2)4.9(+0.4)
coastal101.01.0

By 2030, Upper Macdonald is projected to experience a moderate increase in overall climate risk, primarily driven by increased flood and bushfire risks. Heatwaves are also expected to become more frequent and intense.

CSIRO Climate Projections

Adaptation Recommendations

Improve Flood Defenses

Near-term

Construct levees and improve drainage systems to protect properties from flooding.

Est. cost: High

Learn more

Bushfire Preparedness

Immediate

Implement bushfire management plans and conduct regular hazard reduction burns.

Est. cost: Medium

Learn more

Heatwave Action Plan

Near-term

Develop a heatwave action plan to protect vulnerable populations during extreme heat events.

Est. cost: Low

Learn more

Community Education

Long-term

Educate residents about climate risks and adaptation measures.

Est. cost: Low

Learn more

About Upper Macdonald's Climate Risk Profile

Upper Macdonald, located in New South Wales, is increasingly vulnerable to the impacts of climate change. The primary concerns for this area are flooding and bushfire risks, which are projected to worsen in the coming decades.

The Macdonald River poses a significant flood risk to the area. Increased rainfall intensity and changes in river flow patterns are expected to exacerbate this risk, potentially leading to more frequent and severe flooding events. Properties near the river are particularly vulnerable.

The surrounding bushland also presents a high bushfire risk. Hotter, drier conditions are creating a more conducive environment for bushfires, increasing the likelihood of large-scale fires that could threaten lives and property. Residents need to be vigilant and prepared for bushfire season.

Heatwaves are another growing concern. The number of extremely hot days is projected to increase, posing health risks to vulnerable populations, such as the elderly and those with pre-existing medical conditions. It is important to stay hydrated and take precautions during heatwaves.

While Upper Macdonald is not directly exposed to coastal risks, the broader impacts of climate change, such as disruptions to supply chains and infrastructure, could still affect the community. Adapting to these changes will require a coordinated effort from residents, local government, and emergency services.

Data sources: BOM · CSIRO · NSW SES · NSW RFS

Local Government Resources

Frequently Asked Questions

What are the main climate risks facing Upper Macdonald?

The main climate risks are flooding, bushfires, and heatwaves. These risks are projected to increase in the coming decades due to climate change.

How can I prepare my property for flooding?

You can prepare your property by elevating structures, installing flood barriers, and improving drainage. Check the council's flood maps for more information.

What should I do during a bushfire?

During a bushfire, follow the advice of emergency services. Evacuate if necessary and protect your property by clearing vegetation and having a bushfire survival plan.

How can I stay safe during a heatwave?

During a heatwave, stay hydrated, avoid strenuous activity, and seek shelter in air-conditioned buildings. Check on vulnerable neighbors and family members.

Where can I find more information about climate change in Upper Macdonald?

You can find more information on the Hornsby Shire Council website, the Bureau of Meteorology website, and the CSIRO website.

Get your property's risk report

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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