Flood Risk in Utungun, NSW: 2026 Assessment

Utungun, New South Wales· UNKNOWN
Utungun faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.Updated 23 May 2026

Flood Risk Score

6.5/10

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

Key Facts

Flood Risk
Utungun faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Climate change is expected to increase rainfall intensity, exacerbating flood risk.
Trend
increasing
Suburb
Utungun, NSW
Overall Risk
Medium
Postcode
2447
Highest high-risk exposure
14.6% of land (bushfire)

Flood Risk Analysis

Utungun, 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 creeks and drainage systems may be overwhelmed during heavy rainfall events.

Utungun faces a moderate risk of flooding due to its proximity to waterways 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.

Utungun sits within ClimateNest's suburb-level hazard model for flood risk. 5.1% of the suburb's land area is mapped in high-risk flood zones and 88.9% 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 Utungun.

Utungun (postcode 2447) 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 (14.6% of land in high-risk zones), surface flood (8.6% of land in high-risk zones), extreme wind (5.8% of land in high-risk zones). Exposure is not uniform across Utungun — 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 WaterwayUnnamed Creek
Elevation Range5-15m
Flood Zone ClassificationLow to Moderate

Historical Events

2013
Moderate

Heavy rainfall caused localized flooding in low-lying areas of Utungun.

Adaptation & Mitigation Actions

Improve Drainage Infrastructure

Near-term

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

Est. cost: Medium

Vegetation Management

Near-term

Implement vegetation management strategies to reduce bushfire fuel load and protect properties.

Est. cost: Low

Heatwave Early Warning System

Immediate

Develop and implement a heatwave early warning system to protect vulnerable populations.

Est. cost: Low

Community Education Programs

Long-term

Conduct community education programs to raise awareness of climate risks and adaptation measures.

Est. cost: Low

Council & Emergency Services

MidCoast Council
Emergency Services

Data last updated: 23 May 2026

Explore Utungun Risk Reports

Frequently Asked Questions

Is Utungun at risk of flooding?

Based on available data, Utungun 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 Utungun?

Insurance costs for flood cover in Utungun 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 Utungun?

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

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

ClimateNest's hazard overlay maps 14.6% of Utungun in high-risk zones for bushfire, with a further 73.2% 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 Utungun Safe from Climate Risk?

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