๐Ÿ“ฎ Stuart Town postcode: 2820

Flood Risk in Stuart Town, SA: 2026 Assessment

Stuart Town, South Australiaยท Dubbo Regionalยท 2820
Stuart Town is located near the Macquarie River and its tributaries, making it susceptible to flooding. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.Updated 29 May 2026

Flood Risk Score

6.5/10

Stuart Town is located near the Macquarie River and its tributaries, making it susceptible to flooding. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.

Key Facts

Flood Risk
Stuart Town is located near the Macquarie River and its tributaries, making it susceptible to flooding. Climate change is expected to increase the frequency and intensity of heavy rainfall events, exacerbating flood risk.
Trend
increasing
Suburb
Stuart Town, SA
Overall Risk
Medium
Postcode
5320
Highest high-risk exposure
16.3% of land (bushfire)

Flood Risk Analysis

Stuart Town, located in South Australia, 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 South Australia.

The Macquarie River has a history of flooding in the Stuart Town area. Recent events have highlighted the need for improved flood mitigation measures.

Stuart Town is located near the Macquarie River and its tributaries, making it susceptible to flooding. Climate change is expected to increase the frequency and intensity of heavy rainfall events, 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.

Stuart Town sits within ClimateNest's suburb-level hazard model for flood risk. 2.4% of the suburb's land area is mapped in high-risk flood zones and 81.9% 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 Stuart Town.

Stuart Town (postcode 5320) 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 (16.3% of land in high-risk zones), extreme wind (4.1% of land in high-risk zones), surface flood (3.8% of land in high-risk zones). Exposure is not uniform across Stuart Town 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 WaterwayMacquarie River
Elevation Range280-320m
Flood Zone ClassificationYes

Historical Events

2017
Moderate

Heavy rainfall caused the Macquarie River to flood again, affecting homes and businesses in Stuart Town.

2010
Moderate

The Macquarie River flooded, inundating low-lying areas of Stuart Town 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

Reduce Bushfire Fuel Loads

Near-term

Implement vegetation management programs to reduce the risk of bushfires.

Est. cost: Medium

Develop a Heatwave Management Plan

Immediate

Establish cooling centers and provide support to vulnerable populations during heatwaves.

Est. cost: Low

Upgrade Building Standards

Long-term

Implement stricter building codes to ensure that new and existing buildings are more resilient to climate hazards.

Est. cost: Medium

Council & Emergency Services

Dubbo Regional Council
Emergency Services

Data last updated: 29 May 2026

Explore Stuart Town Risk Reports

Frequently Asked Questions

Is Stuart Town at risk of flooding?

Based on available data, Stuart Town 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 Stuart Town?

Insurance costs for flood cover in Stuart Town 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 Stuart Town?

Yes, flood risk can affect property values in Stuart Town. 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 Stuart Town?

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

ClimateNest's hazard overlay maps 16.3% of Stuart Town in high-risk zones for bushfire, with a further 57.6% 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 Stuart Town Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Stuart Town, South Australia, 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