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Derby vs Derwent Park — Which is Safer?

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

32/100
Low
37/100
Moderate
Hazard
Flood38/10030/100
Bushfire18/10059/100
Heat55/10060/100
Storm36/10039/100
Coastal29/10019/100
Cyclone18/10016/100

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$5,280. With projected climate changes under RCP 8.5, premiums could rise to approximately A$7,392 by 2030 and A$13,728 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$5,280
2030 (RCP 4.5)
A$7,392
2050 (RCP 8.5)
A$13,728

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$42,240 or more over time.

Verdict

Derby has a lower overall climate risk score (32/100) compared to Derwent Park (37/100). We recommend getting an address-level report for properties in both suburbs before making a purchase decision.

Frequently Asked Questions

Is Derby or Derwent Park safer from flooding?
Derby has a flood risk score of 38/100, while Derwent Park scores 30/100. A lower score indicates lower flood risk. Get an address-level flood risk report for a specific property.
Which suburb has lower bushfire risk?
Derby scores 18/100 for bushfire risk. Derwent Park scores 59/100. Fire risk depends on proximity to vegetation and local fire history.
Should I buy in Derby or Derwent Park?
Both suburbs have climate considerations. Derby 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

Derby Flood RiskDerwent Park Flood RiskDerby Should I Buy?Derwent Park Should I Buy?

Check Your Flood Risk Now

Check Derby'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