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Cairns Bay vs Cambridge — Which is Safer?

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

37/100
Moderate
38/100
Moderate
Hazard
Flood56/10046/100
Bushfire46/10043/100
Heat54/10056/100
Storm24/10050/100
Coastal22/10017/100
Cyclone18/10013/100

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$5,008. With projected climate changes under RCP 8.5, premiums could rise to approximately A$7,011 by 2030 and A$13,021 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$5,008
2030 (RCP 4.5)
A$7,011
2050 (RCP 8.5)
A$13,021

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$40,065 or more over time.

Verdict

Cairns Bay has a lower overall climate risk score (37/100) compared to Cambridge (38/100). We recommend getting an address-level report for properties in both suburbs before making a purchase decision.

Frequently Asked Questions

Is Cairns Bay or Cambridge safer from flooding?
Cairns Bay has a flood risk score of 56/100, while Cambridge scores 46/100. A lower score indicates lower flood risk. Get an address-level flood risk report for a specific property.
Which suburb has lower bushfire risk?
Cairns Bay scores 46/100 for bushfire risk. Cambridge scores 43/100. Fire risk depends on proximity to vegetation and local fire history.
Should I buy in Cairns Bay or Cambridge?
Both suburbs have climate considerations. Cairns Bay 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

Cairns Bay Flood RiskCambridge Flood RiskCairns Bay Should I Buy?Cambridge Should I Buy?

Check Your Flood Risk Now

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

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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