๐Ÿ“ฎ Yowie Bay postcode: 2228

Flood Risk in Yowie Bay, NSW: 2026 Assessment

Yowie Bay, New South Walesยท Sutherland Shireยท 2228
Yowie Bay faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to stormwater runoff and potential inundation.Updated 26 May 2026

Flood Risk Score

6.5/10

Yowie Bay faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to stormwater runoff and potential inundation.

Key Facts

Flood Risk
Yowie Bay faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to stormwater runoff and potential inundation.
Trend
increasing
Suburb
Yowie Bay, NSW
Overall Risk
Medium
Postcode
2228
Highest high-risk exposure
16.8% of land (bushfire)

Flood Risk Analysis

Yowie Bay, 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.

Some properties are located near the Yowie Bay waterway and may be susceptible to tidal and stormwater flooding.

Yowie Bay faces a moderate risk of flooding due to its proximity to waterways and low-lying areas. Intense rainfall events can lead to stormwater runoff and potential inundation.

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.

Yowie Bay sits within ClimateNest's suburb-level hazard model for flood risk. 8.7% of the suburb's land area is mapped in high-risk flood zones and 85.2% 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 Yowie Bay.

Yowie Bay (postcode 2228) 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 (16.8% of land in high-risk zones), surface flood (13.3% of land in high-risk zones), riverine flood (8.7% of land in high-risk zones). Exposure is not uniform across Yowie Bay 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 WaterwayYowie Bay
Elevation Range0-30 meters
Flood Zone ClassificationPartially within flood zone

Historical Events

2022
Moderate

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

Adaptation & Mitigation Actions

Improve stormwater drainage

Near-term

Upgrade stormwater drainage infrastructure to reduce the risk of flooding during heavy rainfall events.

Est. cost: Medium

Implement heatwave early warning system

Immediate

Develop and implement a heatwave early warning system to alert vulnerable populations and provide guidance on staying safe during extreme heat events.

Est. cost: Low

Strengthen coastal defenses

Long-term

Invest in coastal protection measures, such as seawalls and beach nourishment, to mitigate the impacts of sea level rise and erosion.

Est. cost: High

Bushfire preparedness programs

Near-term

Implement community education programs to improve bushfire preparedness and promote fire-resistant landscaping.

Est. cost: Low

Promote water conservation

Long-term

Encourage water conservation measures to reduce water demand during droughts and heatwaves.

Est. cost: Low

Council & Emergency Services

Sutherland Shire Council
Emergency Services

Data last updated: 26 May 2026

Explore Yowie Bay Risk Reports

Frequently Asked Questions

Is Yowie Bay at risk of flooding?

Based on available data, Yowie Bay 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 Yowie Bay?

Insurance costs for flood cover in Yowie Bay 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 Yowie Bay?

Yes, flood risk can affect property values in Yowie Bay. 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 Yowie Bay?

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

ClimateNest's hazard overlay maps 16.8% of Yowie Bay in high-risk zones for bushfire, with a further 71.1% 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 Yowie Bay Safe from Climate Risk?

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