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Cookardinia vs Cooks Gap — Which is Safer?

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

38/100
Moderate
31/100
Low
Hazard
Flood38/10035/100
Bushfire37/10019/100
Heat80/10061/100
Storm28/10023/100
Coastal28/10025/100
Cyclone17/10020/100

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$6,640. With projected climate changes under RCP 8.5, premiums could rise to approximately A$9,296 by 2030 and A$17,264 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$6,640
2030 (RCP 4.5)
A$9,296
2050 (RCP 8.5)
A$17,264

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$53,120 or more over time.

Verdict

Cooks Gap has a lower overall climate risk score (31/100) compared to Cookardinia (38/100). We recommend getting an address-level report for properties in both suburbs before making a purchase decision.

Frequently Asked Questions

Is Cookardinia or Cooks Gap safer from flooding?
Cookardinia has a flood risk score of 38/100, while Cooks Gap scores 35/100. A lower score indicates lower flood risk. Get an address-level flood risk report for a specific property.
Which suburb has lower bushfire risk?
Cookardinia scores 37/100 for bushfire risk. Cooks Gap scores 19/100. Fire risk depends on proximity to vegetation and local fire history.
Should I buy in Cookardinia or Cooks Gap?
Both suburbs have climate considerations. Cooks Gap 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

Cookardinia Flood RiskCooks Gap Flood RiskCookardinia Should I Buy?Cooks Gap Should I Buy?

Check Your Flood Risk Now

Check Cookardinia'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