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Nilma North vs Nine Mile — Which is Safer?

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

36/100
Moderate
43/100
Moderate
Hazard
Flood48/10058/100
Bushfire47/10055/100
Heat57/10075/100
Storm24/10038/100
Coastal17/10015/100
Cyclone25/10018/100

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$6,300. With projected climate changes under RCP 8.5, premiums could rise to approximately A$8,820 by 2030 and A$16,380 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$6,300
2030 (RCP 4.5)
A$8,820
2050 (RCP 8.5)
A$16,380

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$50,400 or more over time.

Verdict

Nilma North has a lower overall climate risk score (36/100) compared to Nine Mile (43/100). We recommend getting an address-level report for properties in both suburbs before making a purchase decision.

Frequently Asked Questions

Is Nilma North or Nine Mile safer from flooding?
Nilma North has a flood risk score of 48/100, while Nine Mile scores 58/100. A lower score indicates lower flood risk. Get an address-level flood risk report for a specific property.
Which suburb has lower bushfire risk?
Nilma North scores 47/100 for bushfire risk. Nine Mile scores 55/100. Fire risk depends on proximity to vegetation and local fire history.
Should I buy in Nilma North or Nine Mile?
Both suburbs have climate considerations. Nilma North 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

Nilma North Flood RiskNine Mile Flood RiskNilma North Should I Buy?Nine Mile Should I Buy?

Check Your Flood Risk Now

Check Nilma North'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