Flood Risk in Gympie, QLD: 2026 Assessment

Gympie, Queensland· UNKNOWN
Gympie is located on the Mary River and has a history of flooding. Climate change is expected to increase the frequency and intensity of heavy rainfall events, leading to a higher risk of riverine and flash flooding.Updated 23 Mar 2026

Flood Risk Score

7.0/10

Gympie is located on the Mary River and has a history of flooding. Climate change is expected to increase the frequency and intensity of heavy rainfall events, leading to a higher risk of riverine and flash flooding.

Key Facts

Flood Risk
Gympie is located on the Mary River and has a history of flooding. Climate change is expected to increase the frequency and intensity of heavy rainfall events, leading to a higher risk of riverine and flash flooding.
Trend
increasing
Suburb
Gympie, QLD
Overall Risk
Medium
Postcode
4570
Highest high-risk exposure
12% of land (bushfire)

Flood Risk Analysis

Gympie, located in Queensland, 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 Queensland.

Gympie Regional Council provides flood maps and information to residents.

Gympie is located on the Mary River and has a history of flooding. Climate change is expected to increase the frequency and intensity of heavy rainfall events, leading to a higher risk of riverine and 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.

Gympie sits within ClimateNest's suburb-level hazard model for flood risk. 7.2% of the suburb's land area is mapped in high-risk flood zones and 83.6% 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 Gympie.

Gympie (postcode 4570) 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 (12% of land in high-risk zones), surface flood (11.3% of land in high-risk zones), tropical cyclone (7.5% of land in high-risk zones). Exposure is not uniform across Gympie — 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 WaterwayMary River
Elevation RangeVaries across the region
Flood Zone ClassificationAreas along the Mary River are designated as flood zones.

Historical Events

2022
Major

Severe flooding occurred in Gympie due to heavy rainfall and the overflowing of the Mary River, causing widespread damage and evacuations.

2013
Major

Gympie experienced significant flooding as a result of ex-Tropical Cyclone Oswald, leading to evacuations and damage to homes and businesses.

2011
Major

Widespread flooding affected Gympie and surrounding areas due to heavy rainfall and overflowing rivers.

Adaptation & Mitigation Actions

Improve Flood Defenses

Immediate

Invest in infrastructure to protect against flooding, such as levees, flood walls, and improved drainage systems.

Est. cost: High

Develop Heatwave Early Warning System

Near-term

Implement a system to alert residents of impending heatwaves and provide guidance on how to stay safe.

Est. cost: Medium

Manage Bushfire Risk

Near-term

Implement bushfire management strategies, such as controlled burns and vegetation clearing, to reduce the risk of bushfires.

Est. cost: Medium

Upgrade Infrastructure

Long-term

Ensure infrastructure is resilient to climate change impacts, such as flooding and extreme heat.

Est. cost: High

Council & Emergency Services

Gympie Regional Council
Emergency Services

Data last updated: 23 March 2026

Explore Gympie Risk Reports

Frequently Asked Questions

Is Gympie at risk of flooding?

Based on available data, Gympie 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 Gympie?

Insurance costs for flood cover in Gympie 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 Gympie?

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

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

ClimateNest's hazard overlay maps 12% of Gympie in high-risk zones for bushfire, with a further 70.1% 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 Gympie Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Gympie, Queensland, 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