Cogra Bay is a suburb of the Central Coast region of New South Wales, Australia, located on the north bank of the Hawkesbury River 51 kilometres (32 mi) north of Sydney. It is part of the Central Coast Council local government area. The area is vulnerable to forest fires due to its location and isolation, and a fire in January 1994 destroyed four homes in Cogra Bay, while another came very close to the settlement in 2003.