Dubbo has been named the second most affected area in NSW for severe weather events over the past three years, according to new data released by insurer AAMI.

The insurer’s analysis of thousands of natural disaster claims lodged between July 2022 and June 2025 found that Dubbo ranked just behind Banora Point, then followed by Merewether, Raymond Terrace and Orange in the state’s top five severe weather hotspots.

Dubbo’s high ranking was driven largely by major hail and rain events in 2023, which led to extensive property damage and some of the highest insurance claim volumes in the state. Hail was identified as the most frequent and costly cause of damage in the AAMI data, with Dubbo and Merewether topping that list.

AAMI Head of Home Product and Portfolio, Josh Kelland, said the results served as a reminder for residents across the state to prepare for the coming season.

“Regardless of whether your suburb ranked number one or one hundred on our hot spots list, now is the time to prepare yourself, your family and your home for the summer disaster season,” Mr Kelland said.

He warned that no region is immune to extreme weather.

“Some regions in NSW may be more used to wild weather – like those identified in our top ten, however as we’ve seen time and time again in recent years, Mother Nature can strike anywhere, and at any time – having a significant impact on homes and communities. Now is not the time for complacency.”

Suncorp’s Severe Weather Meteorologist, Andrew Bufalino, said forecasts are pointing to a shift toward La Niña conditions, bringing above-average rainfall and an increased likelihood of flash and riverine flooding along the east coast.

Residents are being urged to take precautionary measures such as clearing gutters, trimming trees, securing outdoor items and checking roofs for loose tiles.

NSW SES Commissioner Mike Wassing said preparation is key: “Storms can develop rapidly and cause widespread damage. Simple actions like cleaning gutters, securing outdoor items and having a home emergency plan can significantly reduce the impact on your family and property.”

The AAMI report highlights the growing risk of severe weather across regional NSW.

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Top tips to prepare

• Secure and put away loose items around your backyard or balcony.

• Trim trees and branches that could fall onto your home or car.

• Clean your gutters, downpipes and drains of leaves and debris.

• Park your vehicles under cover and away from trees or powerlines.

• Inspect retaining walls.

• Ensure there’s no corrosion, loose fittings or rotting timber around your property.

• Inspect your roof for damaged or loose tiles.