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Raymond Terrace is situated entirely to the east of the Hunter and Williams rivers and consists of three distinct regions. The north and south regions are primarily rural/semi-rural and occupy approximately 74% of the town's land with only 3% of the population living in these areas. Most of the population lives in the town itself. Confluence of the Hunter and Williams rivers. The centre of the town, where the shopping district is located, is adjacent to the Hunter River, just south of the confluence of the two rivers. Access to the northern sides of the rivers is via the Fitzgerald bridge which crosses the Williams River immediately adjacent to and upstream of the confluence. When the Hunter River is in flood, access beyond the Fitzgerald Bridge to the northern side of the Williams River (i.e. to Nelsons Plains) is often not possible due to its low-lying nature. The town of Raymond Terrace is mostly protected by levee banks and other flood mitigation devices. However, some lower parts of the town still flood, as happened during the June 2007 Hunter Region and Central Coast storms.