๐Ÿ“ฎ Fingal Bay postcode: 2315

Flood Risk in Fingal Bay, TAS: 2026 Assessment

Fingal Bay, Tasmaniaยท Port Stephensยท 2315
Fingal Bay faces a moderate risk of flooding, primarily from heavy rainfall and coastal inundation. The low-lying areas are particularly vulnerable.Updated 3 Apr 2026

Flood Risk Score

6.0/10

Fingal Bay faces a moderate risk of flooding, primarily from heavy rainfall and coastal inundation. The low-lying areas are particularly vulnerable.

Key Facts

Flood Risk
Fingal Bay faces a moderate risk of flooding, primarily from heavy rainfall and coastal inundation. The low-lying areas are particularly vulnerable.
Trend
increasing
Suburb
Fingal Bay, TAS
Overall Risk
Medium
Postcode
7214
Highest high-risk exposure
8.3% of land (bushfire)

Flood Risk Analysis

Fingal Bay, located in Tasmania, 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 Tasmania.

Low-lying areas near the beach are most vulnerable to coastal flooding.

Fingal Bay faces a moderate risk of flooding, primarily from heavy rainfall and coastal inundation. The low-lying areas are particularly vulnerable.

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.

Fingal Bay sits within ClimateNest's suburb-level hazard model for flood risk. 4.6% of the suburb's land area is mapped in high-risk flood zones and 66.2% 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 Fingal Bay.

Fingal Bay (postcode 7214) 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 (8.3% of land in high-risk zones), riverine flood (4.6% of land in high-risk zones), extreme wind (4% of land in high-risk zones). Exposure is not uniform across Fingal 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 WaterwayFingal Bay Beach
Elevation Range0-20 meters
Flood Zone ClassificationCoastal Inundation Zone

Historical Events

2015
Moderate

Heavy rainfall in April 2015 led to localized flooding in low-lying areas of Fingal Bay.

Adaptation & Mitigation Actions

Upgrade Drainage Infrastructure

Near-term

Improve drainage systems to reduce the risk of flooding from heavy rainfall.

Est. cost: Medium

Strengthen Coastal Defenses

Near-term

Implement measures to protect the coastline from erosion and inundation, such as seawalls and beach nourishment.

Est. cost: High

Bushfire Preparedness

Immediate

Clear vegetation around properties, develop a bushfire survival plan, and stay informed about fire danger ratings.

Est. cost: Low

Heatwave Preparedness

Immediate

Stay hydrated, seek air-conditioned environments, and check on vulnerable neighbors during heatwaves.

Est. cost: Low

Relocate critical infrastructure

Long-term

Move essential services and infrastructure away from areas at high risk of coastal inundation.

Est. cost: Very High

Council & Emergency Services

Port Stephens Council
Emergency Services

Data last updated: 3 April 2026

Explore Fingal Bay Risk Reports

Frequently Asked Questions

Is Fingal Bay at risk of flooding?

Based on available data, Fingal 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 Fingal Bay?

Insurance costs for flood cover in Fingal 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 Fingal Bay?

Yes, flood risk can affect property values in Fingal 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 Fingal Bay?

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

ClimateNest's hazard overlay maps 8.3% of Fingal Bay in high-risk zones for bushfire, with a further 77.9% 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 Fingal Bay Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Fingal Bay, Tasmania, 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