Hazard-safe ranking · NSW
The lowest flood risk suburbs in New South Wales.
Suburbs assessed as low flood risk or with no flood hazard record from Geoscience Australia. Filtered to New South Wales suburbs only.
About this ranking
Flood risk affects insurance premiums, resale value, and (increasingly) lending policy. Some big-four lenders now decline mortgages on properties in declared floodways. We rank by formal flood hazard classification from Geoscience Australia and state hazard mapping authorities.
New South Wales property market in 2026
New South Wales is Australia's most expensive housing market by a wide margin. Sydney's median house price sits around $1.6M to $1.7M in 2026, with a structural undersupply of well-located stock keeping the harbour-city market firm even as borrowing capacity catches up to elevated rates. Regional NSW (Newcastle, Central Coast, Wollongong) has compressed the discount to Sydney over the last five years, and the Hunter and Illawarra now trade at premiums older buyers wouldn't have predicted. Lifestyle suburbs along the coast, Byron, Kiama, Port Macquarie, have held the COVID-era gains. Investor demand is back at scale; rental vacancies in metro Sydney remain below 1.5%.
Showing top 50 suburbs in New South Wales
NSW 2210
Flood risk
No data
Median price
$1.4M
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NSW 2831
Flood risk
No data
Median price
$286K
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NSW 2870
Flood risk
No data
Median price
$286K
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NSW 2397
Flood risk
No data
Median price
$350K
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NSW 2101
Flood risk
No data
Median price
$660K
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NSW 2099
Flood risk
No data
Median price
$594K
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NSW 2533
Flood risk
No data
Median price
$1.5M
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NSW 2357
Flood risk
No data
Median price
$278K
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NSW 2040
Flood risk
No data
Median price
$2.2M
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NSW 2138
Flood risk
No data
Median price
$4.7M
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NSW 2045
Flood risk
No data
Median price
$3.0M
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NSW 2015
Flood risk
No data
Median price
$1.1M
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NSW 2007
Flood risk
No data
Median price
$1.6M
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NSW 2067
Flood risk
No data
Median price
$3.6M
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NSW 2576
Flood risk
No data
Median price
$1.5M
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NSW 2049
Flood risk
No data
Median price
$2.1M
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NSW 2000
Flood risk
No data
Median price
$2.3M
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NSW 2217
Flood risk
No data
Median price
$1.9M
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NSW 2047
Flood risk
No data
Median price
$3.1M
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NSW 2023
Flood risk
No data
Median price
$11M
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NSW 2086
Flood risk
No data
Median price
$2.4M
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NSW 2354
Flood risk
No data
Median price
$379K
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NSW 2113
Flood risk
No data
Median price
$572K
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NSW 2111
Flood risk
No data
Median price
$660K
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NSW 2148
Flood risk
No data
Median price
$1.2M
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NSW 2170
Flood risk
No data
Median price
$1.2M
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NSW 2142
Flood risk
No data
Median price
$1.3M
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NSW 2722
Flood risk
No data
Median price
$540K
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NSW 2350
Flood risk
No data
Median price
$566K
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NSW 2460
Flood risk
No data
Median price
$549K
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NSW 2190
Flood risk
No data
Median price
$1.4M
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NSW 2069
Flood risk
No data
Median price
$3.9M
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NSW 2107
Flood risk
No data
Median price
$2.7M
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NSW 2566
Flood risk
No data
Median price
$440K
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NSW 2154
Flood risk
No data
Median price
$2.5M
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NSW 2114
Flood risk
No data
Median price
$2.4M
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NSW 2085
Flood risk
No data
Median price
$2.4M
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NSW 2233
Flood risk
No data
Median price
$1.7M
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NSW 2117
Flood risk
No data
Median price
$1.9M
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NSW 2794
Flood risk
No data
Median price
$453K
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NSW 2250
Flood risk
No data
Median price
$1.1M
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NSW 2620
Flood risk
No data
Median price
$817K
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NSW 2763
Flood risk
No data
Median price
$1.3M
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NSW 2260
Flood risk
No data
Median price
$2.8M
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NSW 2558
Flood risk
No data
Median price
$970K
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NSW 2646
Flood risk
No data
Median price
$490K
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NSW 2464
Flood risk
No data
Median price
$354K
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NSW 2485
Flood risk
No data
Median price
$1.7M
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NSW 2019
Flood risk
No data
Median price
$429K
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NSW 2775
Flood risk
No data
Median price
$599K
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Common questions
About this ranking.
Does 'low flood risk' mean a property won't flood?
No, 'low risk' is a probabilistic classification, not a guarantee. Properties in low-risk zones can still flood in extreme events (1-in-500 year, freak storms). What 'low risk' does mean is that mainstream lenders and insurers will treat the property as standard rather than carrying a special premium or exclusion.
What's a 'floodway' versus a flood-prone zone?
A floodway is land that channels water during a flood event, building in a floodway is highly restricted because the water flow itself is dangerous, not just the standing water. A flood-prone zone is land that's expected to be inundated but not part of the active flow. Floodways are the highest-risk classification and many lenders will decline mortgages on stock in them.
How localised is flood risk?
Extremely localised. Two adjacent streets can be in completely different risk categories depending on elevation and creek proximity. Always pull the address-specific flood report from the council before bidding, even on suburbs that appear in this ranking.
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