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Molesworth vs Moliagul — Which is Safer?

Compare climate risk between Molesworth, Victoria and Moliagul, Victoria. Our analysis uses data from BOM, CSIRO, and state hazard authorities to score each suburb across 6 climate hazards.

41/100
Moderate
40/100
Moderate
Hazard
Flood51/10052/100
Bushfire50/10047/100
Heat56/10066/100
Storm49/10039/100
Coastal26/10015/100
Cyclone14/10020/100

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$5,688. With projected climate changes under RCP 8.5, premiums could rise to approximately A$7,963 by 2030 and A$14,789 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$5,688
2030 (RCP 4.5)
A$7,963
2050 (RCP 8.5)
A$14,789

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$45,505 or more over time.

Verdict

Moliagul has a lower overall climate risk score (40/100) compared to Molesworth (41/100). We recommend getting an address-level report for properties in both suburbs before making a purchase decision.

Frequently Asked Questions

Is Molesworth or Moliagul safer from flooding?
Molesworth has a flood risk score of 51/100, while Moliagul scores 52/100. A lower score indicates lower flood risk. Get an address-level flood risk report for a specific property.
Which suburb has lower bushfire risk?
Molesworth scores 50/100 for bushfire risk. Moliagul scores 47/100. Fire risk depends on proximity to vegetation and local fire history.
Should I buy in Molesworth or Moliagul?
Both suburbs have climate considerations. Moliagul 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

Molesworth Flood RiskMoliagul Flood RiskMolesworth Should I Buy?Moliagul Should I Buy?

Check Your Flood Risk Now

Check Molesworth's specific flood risk and see how it compares to nearby suburbs. Enter your address for an instant risk assessment.

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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