Flood Risk in Upper Manilla, NSW: 2026 Assessment

Upper Manilla, New South Wales· UNKNOWN
Upper Manilla faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially leading to more frequent and severe flood events.Updated 26 May 2026

Flood Risk Score

6.5/10

Upper Manilla faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially leading to more frequent and severe flood events.

Key Facts

Flood Risk
Upper Manilla faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially leading to more frequent and severe flood events.
Trend
increasing
Suburb
Upper Manilla, NSW
Overall Risk
Medium
Postcode
2346
Highest high-risk exposure
7.6% of land (bushfire)

Flood Risk Analysis

Upper Manilla, 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.

Local council has flood management plans in place, but increased rainfall intensity may overwhelm existing infrastructure.

Upper Manilla faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, potentially leading to more frequent and severe flood events.

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 Manilla sits within ClimateNest's suburb-level hazard model for flood risk. 5.2% of the suburb's land area is mapped in high-risk flood zones and 80.1% 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 Manilla.

Upper Manilla (postcode 2346) 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 (7.6% of land in high-risk zones), surface flood (5.3% of land in high-risk zones), riverine flood (5.2% of land in high-risk zones). Exposure is not uniform across Upper Manilla — 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 WaterwayManilla River
Elevation Range300-350m
Flood Zone ClassificationAreas near the Manilla River are prone to flooding.

Historical Events

2011
Moderate

Significant flooding along the Manilla River affected homes and businesses.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Upgrade drainage infrastructure and implement flood barriers to protect properties from increased flood risk.

Est. cost: Medium

Develop a Heat Action Plan

Immediate

Implement a community heat action plan to protect vulnerable residents during heatwaves, including cooling centers and public awareness campaigns.

Est. cost: Low

Enhance Bushfire Preparedness

Near-term

Provide residents with resources and training to prepare for bushfires, including creating firebreaks and developing evacuation plans.

Est. cost: Low

Promote Water Conservation

Long-term

Encourage water conservation measures to mitigate the impacts of drought and water scarcity associated with climate change.

Est. cost: Low

Council & Emergency Services

Tamworth Regional Council
Emergency Services

Data last updated: 26 May 2026

Explore Upper Manilla Risk Reports

Frequently Asked Questions

Is Upper Manilla at risk of flooding?

Based on available data, Upper Manilla 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 Upper Manilla?

Insurance costs for flood cover in Upper Manilla 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 Manilla?

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

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

ClimateNest's hazard overlay maps 7.6% of Upper Manilla in high-risk zones for bushfire, with a further 69.4% 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 Upper Manilla Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Upper Manilla, 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