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Coffs Harbour vs Cogra Bay — Which is Safer?

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

42/100
Moderate
42/100
Moderate
Hazard
Flood45/10029/100
Bushfire56/10038/100
Heat55/10067/100
Storm29/10034/100
Coastal52/10052/100
Cyclone13/10030/100

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$5,756. With projected climate changes under RCP 8.5, premiums could rise to approximately A$8,058 by 2030 and A$14,966 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$5,756
2030 (RCP 4.5)
A$8,058
2050 (RCP 8.5)
A$14,966

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$46,050 or more over time.

Verdict

Coffs Harbour and Cogra Bay have similar overall climate risk scores.

Frequently Asked Questions

Is Coffs Harbour or Cogra Bay safer from flooding?
Coffs Harbour has a flood risk score of 45/100, while Cogra Bay scores 29/100. A lower score indicates lower flood risk. Get an address-level flood risk report for a specific property.
Which suburb has lower bushfire risk?
Coffs Harbour scores 56/100 for bushfire risk. Cogra Bay scores 38/100. Fire risk depends on proximity to vegetation and local fire history.
Should I buy in Coffs Harbour or Cogra Bay?
Both suburbs have climate considerations. Coffs Harbour 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

Coffs Harbour Flood RiskCogra Bay Flood RiskCoffs Harbour Should I Buy?Cogra Bay Should I Buy?

Check Your Flood Risk Now

Check Coffs Harbour'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