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Clarke Creek vs Clear Island Waters — Which is Safer?

Compare climate risk between Clarke Creek, Queensland and Clear Island Waters, Queensland. Our analysis uses data from BOM, CSIRO, and state hazard authorities to score each suburb across 6 climate hazards.

32/100
Low
25/100
Low
Hazard
Flood43/10027/100
Bushfire42/10018/100
Heat32/10035/100
Storm35/10024/100
Coastal18/10034/100
Cyclone19/10013/100

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$4,124. With projected climate changes under RCP 8.5, premiums could rise to approximately A$5,774 by 2030 and A$10,722 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$4,124
2030 (RCP 4.5)
A$5,774
2050 (RCP 8.5)
A$10,722

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$32,990 or more over time.

Verdict

Clear Island Waters has a lower overall climate risk score (25/100) compared to Clarke Creek (32/100). We recommend getting an address-level report for properties in both suburbs before making a purchase decision.

Frequently Asked Questions

Is Clarke Creek or Clear Island Waters safer from flooding?
Clarke Creek has a flood risk score of 43/100, while Clear Island Waters scores 27/100. A lower score indicates lower flood risk. Get an address-level flood risk report for a specific property.
Which suburb has lower bushfire risk?
Clarke Creek scores 42/100 for bushfire risk. Clear Island Waters scores 18/100. Fire risk depends on proximity to vegetation and local fire history.
Should I buy in Clarke Creek or Clear Island Waters?
Both suburbs have climate considerations. Clear Island Waters 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

Clarke Creek Flood RiskClear Island Waters Flood RiskClarke Creek Should I Buy?Clear Island Waters Should I Buy?

Check Your Flood Risk Now

Check Clarke Creek'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