The formation of Umina Beach and 'The Peninsula' is due to sand deposition that has been influenced by (and not limited to) climatic conditions, soil-binding flora, Hawkesbury Sandstone formations (e.g.; Box Head, Barrenjoey and Umina Point), wave patterns and tidal amplitude from the Tasman Sea, Hawkesbury River and Brisbane Water.

[4] European entry to the region was first recorded in March 1788 when Governor Arthur Phillip landed with a party at Ettalong Beach.

A rest stop was made at Ettalong Beach before the group passed through 'The Rip' (a dangerous passage leading into Brisbane Water).

On return, the party camped at Ettalong Beach before sailing to Dangar Island in the Hawkesbury River.

The town centre is serviced by major retailers along with a number of local shops, takeaway restaurants and cafes.

Umina Oval, located at the southern end of Melbourne Avenue, is the home ground for four pitch team sports: soccer, rugby league, cricket[7] and tennis.