Everything starts with your Bushfire Attack Level, or BAL. It is a rating of how much bushfire exposure your site faces, assessed from vegetation type, slope, and distance from the hazard.
There are six levels. BAL LOW, then BAL 12.5, 19, 29 and 40, then BAL FZ, which stands for Flame Zone and is the highest.
The number in each rating is radiant heat exposure measured in kilowatts per square metre. As it rises, so does what the building has to withstand. At the lower levels you are mainly dealing with ember attack. By BAL 40 you are dealing with significant radiant heat and flame contact. At BAL FZ you are dealing with direct flame contact and the construction requirements are substantially different again.
In the Blue Mountains a great many sites sit at BAL 29 or above. Some sit at Flame Zone. We build to BAL FZ, which is the top of the scale.
Two things people get wrong here.
The first is assuming the BAL rating is fixed. It is not. It is assessed from the relationship between your building and the hazard, and both the siting of the house and the management of vegetation can change it. Getting that assessment done before the design is locked, rather than after, is one of the highest value decisions in the whole project.
The second is assuming a higher BAL simply means more expensive. It means different, and the difference compounds through the whole build rather than sitting in one line item. Which is exactly why it needs to be understood at design stage.
How NSW bushfire requirements actually work