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Balmoral vs Bamarang — Which is Safer?

Compare climate risk between Balmoral, New South Wales and Bamarang, New South Wales. Our analysis uses data from BOM, CSIRO, and state hazard authorities to score each suburb across 6 climate hazards.

50/100
Moderate
43/100
Moderate
Hazard
Flood58/10022/100
Bushfire45/10064/100
Heat77/10075/100
Storm39/10047/100
Coastal60/10033/100
Cyclone20/10018/100

How to Interpret These Scores

Each hazard is scored from 0 (minimal risk) to 100 (severe risk). Scores are derived from BOM historical data, CSIRO climate projections, and state hazard authority mapping. A score of 50 means the property is in the moderate range — above average risk but not extreme. Scores above 67 indicate high risk requiring due diligence.

Minimal
0-16
Low
17-33
Moderate
34-50
Elevated
51-66
High
67-83
Severe
84-100

Insurance Cost Trajectory

Based on the hazard scores for these suburbs, current annual insurance premiums are estimated around A$6,436. With projected climate changes under RCP 8.5, premiums could rise to approximately A$9,010 by 2030 and A$16,734 by 2050. These projections align with Insurance Council of Australia data showing 28% average premium increases nationally between 2022-2025, with higher-risk areas seeing 80-120% increases.

Current
A$6,436
2030 (RCP 4.5)
A$9,010
2050 (RCP 8.5)
A$16,734

Property Value Climate Impact

Rising insurance premiums directly impact property values. Research from the Insurance Council of Australia and climate risk analysts shows that properties in areas with higher climate risk can experience a climate value drag. For a median-priced home, this could mean a potential impact of around A$51,490 or more over time.

Verdict

Bamarang has a lower overall climate risk score (43/100) compared to Balmoral (50/100). We recommend getting an address-level report for properties in both suburbs before making a purchase decision.

Frequently Asked Questions

Is Balmoral or Bamarang safer from flooding?
Balmoral has a flood risk score of 58/100, while Bamarang scores 22/100. A lower score indicates lower flood risk. Get an address-level flood risk report for a specific property.
Which suburb has lower bushfire risk?
Balmoral scores 45/100 for bushfire risk. Bamarang scores 64/100. Fire risk depends on proximity to vegetation and local fire history.
Should I buy in Balmoral or Bamarang?
Both suburbs have climate considerations. Bamarang has a lower overall climate risk score. We recommend getting a full ClimateNest report for any specific property you're considering, which includes 8 hazard scores, insurance projections, and actionable recommendations.

Explore Detailed Reports

Balmoral Flood RiskBamarang Flood RiskBalmoral Should I Buy?Bamarang Should I Buy?

Check Your Flood Risk Now

Check Balmoral's specific flood risk and see how it compares to nearby suburbs. Enter your address for an instant risk assessment.

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Get Your Flood Risk Report — A$69

What A$69 could save you from

$7.2B
2022 insured disaster losses*
$300B+
climate risk to property by 2050*
30-120%
insurance premium increases in high-risk areas*

*Industry sources: ICA, APRA, RBA

Full report from A$69 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections