ClimateNest
ClimateNest

Ulupna vs Underbool — Which is Safer?

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

30/100
Low
33/100
Low
Hazard
Flood23/10037/100
Bushfire45/10035/100
Heat66/10064/100
Storm22/10028/100
Coastal13/10012/100
Cyclone10/10022/100

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

Ulupna has a lower overall climate risk score (30/100) compared to Underbool (33/100). We recommend getting an address-level report for properties in both suburbs before making a purchase decision.

Frequently Asked Questions

Is Ulupna or Underbool safer from flooding?
Ulupna has a flood risk score of 23/100, while Underbool scores 37/100. A lower score indicates lower flood risk. Get an address-level flood risk report for a specific property.
Which suburb has lower bushfire risk?
Ulupna scores 45/100 for bushfire risk. Underbool scores 35/100. Fire risk depends on proximity to vegetation and local fire history.
Should I buy in Ulupna or Underbool?
Both suburbs have climate considerations. Ulupna 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

Ulupna Flood RiskUnderbool Flood RiskUlupna Should I Buy?Underbool Should I Buy?

Check Your Flood Risk Now

Check Ulupna'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