Flood Risk in Clare, SA: 2026 Assessment

Clare, South Australia· UNKNOWN
Clare faces a moderate risk of flooding due to its proximity to the Hutt River and other waterways. Heavy rainfall events can lead to riverine flooding, impacting low-lying areas and infrastructure.Updated 10 Mar 2026

Flood Risk Score

6.5/10

Clare faces a moderate risk of flooding due to its proximity to the Hutt River and other waterways. Heavy rainfall events can lead to riverine flooding, impacting low-lying areas and infrastructure.

Key Facts

Flood Risk
Clare faces a moderate risk of flooding due to its proximity to the Hutt River and other waterways. Heavy rainfall events can lead to riverine flooding, impacting low-lying areas and infrastructure.
Trend
increasing
Suburb
Clare, SA
Overall Risk
Medium
Postcode
5453
Highest high-risk exposure
14.3% of land (bushfire)

Flood Risk Analysis

Clare, located in South Australia, has a notable flood risk profile based on available data including proximity to waterways, elevation, and historical flood events. The Bureau of Meteorology (BOM) maintains river height and flood warning data for catchments across South Australia.

Historical flood data indicates that the Hutt River has overflowed its banks on several occasions, causing damage to properties and infrastructure in Clare.

Clare faces a moderate risk of flooding due to its proximity to the Hutt River and other waterways. Heavy rainfall events can lead to riverine flooding, impacting low-lying areas and infrastructure.

For a comprehensive property-specific flood assessment including address-level elevation data, flood overlay mapping, and insurance cost estimates, use the ClimateNest full analysis tool. General suburb data cannot replace a site-specific evaluation.

Clare sits within ClimateNest's suburb-level hazard model for flood risk. 3.6% of the suburb's land area is mapped in high-risk flood zones and 69.4% in moderate-risk zones, based on the national hazard overlay. Exposure at this scale varies street by street, which is why an address-level check matters before you buy or insure a specific property in Clare.

Clare (postcode 5453) is tracked in ClimateNest's suburb hazard model, which maps the share of the suburb's land exposed to each hazard at high and moderate levels. The suburb's highest high-risk exposures are bushfire (14.3% of land in high-risk zones), surface flood (6.5% of land in high-risk zones), extreme wind (5.5% of land in high-risk zones). Exposure is not uniform across Clare — individual properties can sit well above or below these averages, so an address-level check is recommended before buying, selling or insuring.

Local Hazard Evidence

Nearest WaterwayHutt River
Elevation Range250-300m
Flood Zone ClassificationAreas near the Hutt River are prone to flooding.

Historical Events

2023
Moderate

Significant rainfall led to flash flooding in parts of Clare, impacting local businesses and residences.

2013
Moderate

Heavy rainfall caused the Hutt River to flood, inundating low-lying areas of Clare and disrupting transportation.

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Construct levees and drainage systems to protect low-lying areas from flooding.

Est. cost: Medium

Manage Vegetation to Reduce Bushfire Fuel Loads

Near-term

Implement controlled burns and vegetation clearing to reduce the risk of bushfires.

Est. cost: Low

Implement Heatwave Early Warning Systems

Immediate

Develop and implement a heatwave early warning system to alert residents of impending heatwaves and provide guidance on how to stay safe.

Est. cost: Low

Promote Water Conservation

Long-term

Encourage residents to conserve water through education and incentives to reduce water stress during droughts.

Est. cost: Low

Upgrade Building Standards

Long-term

Implement stricter building codes to ensure that new buildings are more resilient to climate-related hazards such as flooding, bushfires, and heatwaves.

Est. cost: Medium

Council & Emergency Services

Clare & Gilbert Valleys Council
Emergency Services

Data last updated: 10 March 2026

Explore Clare Risk Reports

Frequently Asked Questions

Is Clare at risk of flooding?

Based on available data, Clare has a notable flood risk profile. Flood risk varies by address — check your specific property for precise flood zone mapping and elevation data with ClimateNest.

What flood insurance costs can I expect in Clare?

Insurance costs for flood cover in Clare depend on the property's flood zone classification, elevation, and proximity to waterways. ClimateNest provides address-level insurance cost estimates based on your property's specific hazard exposure.

Does flood risk affect property values in Clare?

Yes, flood risk can affect property values in Clare. Properties in mapped flood zones may experience lower buyer demand, reduced valuations, and higher insurance costs. Lenders increasingly assess flood exposure as part of mortgage risk evaluation.

How does elevation affect flood risk in Clare?

Elevation is a critical factor in flood risk. Properties at higher elevations within Clare typically have lower flood exposure than those near waterways or in low-lying areas. Address-level elevation data combined with BOM flood mapping provides the most accurate picture.

What share of Clare is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 14.3% of Clare in high-risk zones for bushfire, with a further 58.9% in moderate-risk zones. Suburb-level exposure is not uniform — individual properties can differ from these averages, so an address-level check is recommended.

Is Clare Safe from Climate Risk?

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

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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