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Cairdbeign vs Cairns North — Which is Safer?

Compare climate risk between Cairdbeign, Queensland and Cairns North, Queensland. Our analysis uses data from BOM, CSIRO, and state hazard authorities to score each suburb across 6 climate hazards.

31/100
Low
31/100
Low
Hazard
Flood49/10042/100
Bushfire33/10043/100
Heat40/10039/100
Storm38/10025/100
Coastal19/10020/100
Cyclone6/10016/100

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$4,532. With projected climate changes under RCP 8.5, premiums could rise to approximately A$6,345 by 2030 and A$11,783 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$4,532
2030 (RCP 4.5)
A$6,345
2050 (RCP 8.5)
A$11,783

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$36,255 or more over time.

Verdict

Cairdbeign and Cairns North have similar overall climate risk scores.

Frequently Asked Questions

Is Cairdbeign or Cairns North safer from flooding?
Cairdbeign has a flood risk score of 49/100, while Cairns North scores 42/100. A lower score indicates lower flood risk. Get an address-level flood risk report for a specific property.
Which suburb has lower bushfire risk?
Cairdbeign scores 33/100 for bushfire risk. Cairns North scores 43/100. Fire risk depends on proximity to vegetation and local fire history.
Should I buy in Cairdbeign or Cairns North?
Both suburbs have climate considerations. Cairdbeign 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

Cairdbeign Flood RiskCairns North Flood RiskCairdbeign Should I Buy?Cairns North Should I Buy?

Check Your Flood Risk Now

Check Cairdbeign'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