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Cumbo vs Cumborah — Which is Safer?

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

35/100
Moderate
33/100
Low
Hazard
Flood23/10053/100
Bushfire32/10045/100
Heat68/10036/100
Storm44/10028/100
Coastal21/10013/100
Cyclone24/10021/100

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$5,824. With projected climate changes under RCP 8.5, premiums could rise to approximately A$8,154 by 2030 and A$15,142 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$5,824
2030 (RCP 4.5)
A$8,154
2050 (RCP 8.5)
A$15,142

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$46,590 or more over time.

Verdict

Cumborah has a lower overall climate risk score (33/100) compared to Cumbo (35/100). We recommend getting an address-level report for properties in both suburbs before making a purchase decision.

Frequently Asked Questions

Is Cumbo or Cumborah safer from flooding?
Cumbo has a flood risk score of 23/100, while Cumborah scores 53/100. A lower score indicates lower flood risk. Get an address-level flood risk report for a specific property.
Which suburb has lower bushfire risk?
Cumbo scores 32/100 for bushfire risk. Cumborah scores 45/100. Fire risk depends on proximity to vegetation and local fire history.
Should I buy in Cumbo or Cumborah?
Both suburbs have climate considerations. Cumborah 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

Cumbo Flood RiskCumborah Flood RiskCumbo Should I Buy?Cumborah Should I Buy?

Check Your Flood Risk Now

Check Cumbo'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