๐Ÿ“ฎ Howard postcode: 4659

Flood Risk in Howard, QLD: 2026 Assessment

Howard, Queenslandยท Fraser Coast Regionalยท 4659
Howard is located near the Burrum River and is susceptible to flooding from heavy rainfall events. Climate change is expected to increase the intensity of rainfall, leading to more frequent and severe flooding.Updated 2 Apr 2026

Flood Risk Score

6.5/10

Howard is located near the Burrum River and is susceptible to flooding from heavy rainfall events. Climate change is expected to increase the intensity of rainfall, leading to more frequent and severe flooding.

Key Facts

Flood Risk
Howard is located near the Burrum River and is susceptible to flooding from heavy rainfall events. Climate change is expected to increase the intensity of rainfall, leading to more frequent and severe flooding.
Trend
increasing
Suburb
Howard, QLD
Overall Risk
Medium
Postcode
4659
Highest high-risk exposure
19.7% of land (bushfire)

Flood Risk Analysis

Howard, 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.

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

Howard is located near the Burrum River and is susceptible to flooding from heavy rainfall events. Climate change is expected to increase the intensity of rainfall, leading to more frequent and severe 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.

Howard sits within ClimateNest's suburb-level hazard model for flood risk. 16.5% of the suburb's land area is mapped in high-risk flood zones and 63.7% 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 Howard.

Howard (postcode 4659) 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 (19.7% of land in high-risk zones), riverine flood (16.5% of land in high-risk zones), tropical cyclone (12.8% of land in high-risk zones). Exposure is not uniform across Howard 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 WaterwayBurrum River
Elevation Range5-15 meters
Flood Zone ClassificationAreas near the Burrum River are designated as flood zones.

Historical Events

2022
Major

Significant flooding occurred in Howard due to heavy rainfall, causing widespread damage and displacement.

2013
Moderate

The Burrum River flooded, inundating low-lying areas of Howard and causing property damage.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

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

Est. cost: High

Bushfire Mitigation

Near-term

Implement bushfire mitigation measures such as clearing vegetation around properties and creating firebreaks.

Est. cost: Medium

Heatwave Preparedness

Immediate

Develop a heatwave preparedness plan and establish cooling centers for vulnerable populations.

Est. cost: Low

Community Education

Long-term

Educate residents about climate change risks and adaptation measures.

Est. cost: Low

Upgrade Infrastructure

Long-term

Upgrade critical infrastructure to withstand extreme weather events.

Est. cost: High

Council & Emergency Services

Fraser Coast Regional Council
Emergency Services

Data last updated: 2 April 2026

Explore Howard Risk Reports

Frequently Asked Questions

Is Howard at risk of flooding?

Based on available data, Howard 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 Howard?

Insurance costs for flood cover in Howard 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 Howard?

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

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

ClimateNest's hazard overlay maps 19.7% of Howard in high-risk zones for bushfire, with a further 64.6% 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 Howard Safe from Climate Risk?

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