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They are considerably higher than sea level, I assure you. :) However, check the S149 certificate in the contract of sale, and see if it is in a 1-100 yr flood zone. Many lake front properties are. (and insurance for flood is expensive lately, if you require it).

There are good and bad in almost every area. Are you meaning people or properties? In relation to Toukley & Budgewoi: There is an Aldi as well as a Coles now. Many parts of Toukley are zoned for units & villas now - so you may find the prices higher than Budgy. If I was buying for retirement...