📮 Morgan postcode: 5320

Bushfire Risk in Morgan, SA: 2026 Assessment

Morgan, South Australia· Mid Murray Council· 5320
The risk of bushfire in Morgan is relatively low compared to other regions in South Australia, but still present due to surrounding vegetation.Updated 19 Mar 2026

Bushfire Risk Score

3.0/10

The risk of bushfire in Morgan is relatively low compared to other regions in South Australia, but still present due to surrounding vegetation.

Key Facts

Bushfire Risk
The risk of bushfire in Morgan is relatively low compared to other regions in South Australia, but still present due to surrounding vegetation.
Trend
stable
Suburb
Morgan, SA
Overall Risk
Medium
Postcode
5320
Highest high-risk exposure
9.2% of land (bushfire)

Bushfire Risk Analysis

Morgan, South Australia, has a the risk of bushfire in morgan is relatively low compared to other regions in south australia, but still present due to surrounding vegetation. bushfire risk profile. Key factors include distance to classified bushland, vegetation type, slope, and historical bushfire activity in the region. The South Australia fire authority maps bushfire-prone areas and assigns BAL (Bushfire Attack Level) ratings.

Check CFS website for current fire restrictions.

CSIRO research indicates climate change is extending fire seasons and increasing the number of severe fire weather days across southern and eastern Australia. For Morgan, this may mean shifts in bushfire risk levels over the coming decades, making property-level BAL assessment increasingly important.

Use ClimateNest for a complete address-level bushfire risk report for Morgan including BAL zone assessment, evacuation route mapping, and property-specific risk mitigation recommendations.

Morgan sits within ClimateNest's suburb-level hazard model for bushfire risk. 9.2% of the suburb's land area is mapped in high-risk bushfire zones and 81.5% 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 Morgan.

Morgan (postcode 5320) 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 (9.2% of land in high-risk zones), surface flood (7.5% of land in high-risk zones), extreme wind (3.6% of land in high-risk zones). Exposure is not uniform across Morgan — 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

Distance to BushlandWithin 5km of scrubland
BAL Overlay / ZoneCFS Bushfire Prone Area Map
Bushfire Prone AreaYes

Adaptation & Mitigation Actions

Improve Flood Defenses

Near-term

Invest in levees and other flood protection infrastructure to protect properties from riverine flooding.

Est. cost: High

Develop a Heat Action Plan

Immediate

Implement a heat action plan to protect vulnerable residents during heatwaves, including cooling centers and public awareness campaigns.

Est. cost: Medium

Enhance Bushfire Preparedness

Long-term

Conduct regular bushfire risk assessments and implement vegetation management programs to reduce the risk of bushfires.

Est. cost: Medium

Promote Water Conservation

Near-term

Encourage water conservation measures to reduce water demand and ensure water security during droughts.

Est. cost: Low

Council & Emergency Services

Mid Murray Council
Emergency Services

Data last updated: 19 March 2026

Explore Morgan Risk Reports

Frequently Asked Questions

Is Morgan in a bushfire prone area?

Parts of Morgan may be designated as bushfire prone land. Based on available data, Morgan has a notable bushfire risk. Check your specific property for BAL ratings through ClimateNest or your local council.

What BAL rating applies to properties in Morgan?

BAL ratings in Morgan depend on the property's distance from classified vegetation, vegetation type, and slope. A site-specific assessment under AS 3959 is required to determine the exact BAL rating for any property within the suburb.

Does bushfire risk affect insurance in Morgan?

Yes, properties in bushfire-prone parts of Morgan may face higher building insurance premiums. Insurers assess bushfire risk based on BAL rating, fire history, and proximity to bushland. Some insurers may restrict cover in very high-risk locations.

What bushfire mitigation measures help protect homes in Morgan?

Effective bushfire mitigation includes maintaining cleared asset protection zones, using ember-proof mesh on vents, installing metal gutter guards, using non-combustible building materials, and maintaining defendable space. Consult the South Australia fire authority for property-specific guidance.

What share of Morgan is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 9.2% of Morgan in high-risk zones for bushfire, with a further 81.5% 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 Morgan Safe from Climate Risk?

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

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