Climate Risk Report for Postcode 3851 — Property Hazard Scores

Climate Risk for Postcode 3851

Postcode 3851 contains 13 suburbs across Victoria in the Coastal VIC region. The average climate risk score is 3.8/10. All 13 suburbs in postcode 3851 score 3.8/10 on average climate risk.

Properties in postcode 3851 face a range of climate hazards. The most significant risks vary by exact location — elevation, proximity to waterways, vegetation, and drainage all affect the specific risk profile of any address. For a property-level assessment, check flood zones, BAL ratings and coastal erosion exposure.

Suburbs in Postcode 3851

  • Airly — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)
  • Bundalaguah — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)
  • Clydebank — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)
  • Cobains — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)
  • Darriman — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)
  • Dutson — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)
  • Dutson downs — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)
  • Flamingo beach — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)
  • Fulham — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)
  • Giffard — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)
  • Giffard west — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)
  • Glomar beach — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)
  • Golden beach — Overall: 3.8/10 · Median A$725K · Top hazard: wind (5)

Nearby Postcodes

Compare climate risk across postcodes near 3851:

Insurance & Property Values in Postcode 3851

Insurance premiums in postcode 3851 reflect the combined risk profile of its suburbs.

Get an Address-Level Report

Suburb-level data is a starting point. For an accurate assessment of your specific property in postcode 3851, get a ClimateNest report with 8-hazard scoring and 2030/2050 projections.

Analyse Your Property Now

Enter your address below for an instant climate risk assessment covering flood, bushfire, and sea level rise.

Free instant previewCSIRO-powered data

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