ClimateNest
ClimateNest

Stonyfell vs Stow — Which is Safer?

Compare climate risk between Stonyfell, South Australia and Stow, South Australia. Our analysis uses data from BOM, CSIRO, and state hazard authorities to score each suburb across 6 climate hazards.

30/100
Low
36/100
Moderate
Hazard
Flood28/10038/100
Bushfire20/10064/100
Heat50/10052/100
Storm31/10032/100
Coastal22/10015/100
Cyclone28/10016/100

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$5,552. With projected climate changes under RCP 8.5, premiums could rise to approximately A$7,773 by 2030 and A$14,435 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$5,552
2030 (RCP 4.5)
A$7,773
2050 (RCP 8.5)
A$14,435

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$44,415 or more over time.

Verdict

Stonyfell has a lower overall climate risk score (30/100) compared to Stow (36/100). We recommend getting an address-level report for properties in both suburbs before making a purchase decision.

Frequently Asked Questions

Is Stonyfell or Stow safer from flooding?
Stonyfell has a flood risk score of 28/100, while Stow scores 38/100. A lower score indicates lower flood risk. Get an address-level flood risk report for a specific property.
Which suburb has lower bushfire risk?
Stonyfell scores 20/100 for bushfire risk. Stow scores 64/100. Fire risk depends on proximity to vegetation and local fire history.
Should I buy in Stonyfell or Stow?
Both suburbs have climate considerations. Stonyfell 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

Stonyfell Flood RiskStow Flood RiskStonyfell Should I Buy?Stow Should I Buy?

Check Your Flood Risk Now

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

Free instant previewCSIRO-powered data
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